There is no fee to add or remove a freeze. Note: Acronym Finder has 4 verified definitions for NLK. Quick Answer. If you have recently had adverse action taken against you, the notification you received will direct you to contact the credit reporting agency that was used in. Experian ® analyzes the detailed records in an AutoCheck ® vehicle history report to generate the AutoCheck Score. Below are the types of information you may see on your Experian credit report. These flexible loans are a popular option because you can use the funds for almost anything. Collections generally remain on your credit report for seven years since the date of the first late payment that led to the delinquency. Your lender or insurer may use a different FICO ® Score than FICO ® Score 8, or another type of credit score altogether. It works as a kind of report card lenders and other companies view when deciding to do business with you. Because of the risks involved, it's a practice that's generally best reserved for experienced investors. consumers free weekly credit reports through AnnualCreditReport. A settled account remains on your credit report for seven years from its original delinquency date. Remember, a fraud alert is a federal right for victims of identity theft, and it allows creditors to get your report information as long as they take steps to verify your identity. The report will also contain information about revolving credit and/or installment loan accounts and credit inquiries. Review the title. Re: Unusual alert from Experian. An overview. Enjoy no monthly fees ¶,. What Does Prequalification Mean? The prequalification process can help a lender gauge your eligibility and possibly provide the interest rate or terms you might qualify for on a loan. A credit freeze limits most companies from being able to access your credit report until you lift it, or "thaw" your credit. Scoring models analyze the data in your credit report using complex math to produce a numerical. I have a "B" as well, and it just means I have little business credit history. You can review your credit report from Equifax, Experian and TransUnion for free once every 12 months through and you can dispute any inaccuracies for free. But if the options an agent presents you with are limited to one company, you may be better off working with another agent. Score ranges: For the VantageScore and the base FICO ® Score, the range is 300 to 850. With a rapid rescore, a mortgage lender pays a fee to the credit reporting company (Experian, TransUnion or Equifax) to have recent account changes updated to a loan applicant's credit report in an expedited time frame. The bureaus, in turn, put that information into a credit report that contains your credit history and personally identifiable information. Not all payments are boost-eligible. Find the property's most recent title deed. 5% APR. Lenders view consumers with scores in the good range as "acceptable" borrowers, and may offer them a variety of credit products, though not necessarily at the lowest-available interest rates. Consumer statements are a free and easy way to ensure that information on your credit reports is explained in your own words. With the touch of a button, you can lock your Credit File, keeping fraudsters and identity thieves away. A subprime borrower is anyone who doesn't have good enough credit to qualify for a creditor's prime rates and terms. At Experian, one of our priorities is consumer credit and finance education. Impossible to say. NLK focuses on assisting a person to become aware of the changes they require in a very measurable and specific way and uses a range of natural health techniques including meridian therapy, acupressure, bodywork, stress-release. NLK Meaning. A credit score can't be calculated until you have a credit report, and you won't have a credit report until you have an account reported in your name. For example, if a home's market value is $400,000 and there's $180,000 on the mortgage, then there's $220,000 in equity. A security freeze, often known as a credit freeze, limits access to your Experian credit report—helping protect you against identity theft. NLK LIMITED. It works as a kind of report card lenders and other companies view when deciding to do business with you. Experian’s score is out of 999, Equifax’s is 700, and Callcredit’s is 710. Collecting unemployment benefits by impersonating workers is a new spin on the crime of identity theft. A charge-off is considered a derogatory entry in your credit file—a serious negative event—and it can adversely affect your credit scores and your. Paying every bill on time each month: Financial freedom begins when your basic needs are met. You should. What’s the Difference Between a Credit Freeze and a Credit Lock? Credit freezes and locks block all limit credit-report access, but you can turn locks on and off instantly, while. What exactly does 100% coverage mean? Experian Health developed an algorithmic engine known as our Universal Identity Manager about five years ago. 99 /month†. In order to be calculated, scores require recent credit activity. What does it mean to be ‘invisible’? If you are invisible to the financial system, it means there is not enough information about you on your financial track record. Parents or legal guardians may request a credit history for their minor children with documentation proving they are the parent or legal guardian. com. For fair credit. If an account has had even one late payment, then it would be considered "potentially negative. Since you can't use the account for anything else, once a loan is paid in full, it is essentially closed. It can help ease your financial burden, but it comes at a price. On a few occasions the limited company registered number and the unincorporated number can be the same number, therefore Experian pre-fixes the unincorporated number with UI (previously UC) to differentiate it from a. Coverage varies a lot between card issuers and specific cards, but generally it includes new items that are damaged, defective or stolen within 60 to 120 days of your purchase. Report the theft of your personal information and accounts. Ordering Your Credit Report by Phone or Mail. Lenders prefer it if you’ve incorporated. Investing in yourself means using your resources to better yourself and improve your quality of life. Your available credit is the amount of money you have left to use in a billing cycle. This doesn't mean that you still owe a balance; it only means that you have credit available. After you log in, you can navigate to the Help Center, where you can find quick actions to manage your freeze and toggle your freeze status to "Unfrozen. When you complete a credit application, you are often asked to list your current and previous employers. Not having a credit score isn't necessarily bad, but it's not ideal. A credit card balance is the total amount of money you owe the credit card company at any given time. When applying for credit, always provide as much personal identification. Quick Answer. Experian is a multinational consumer credit reporting agency (CRA) based in Dublin, Ireland. There will be no prefix in front of your company number. It’s one of a handful of major credit reference companies in the UK, but operates in more than 30 countries worldwide. A smart way to begin building up a credit score is to obtain your FICO ® Score. National Library of Korea (South Korea) Getting the UK’s leading credit score could help you meet your money goals – such as getting a house, car, loan or credit card. Experian, TransUnion and Equifax now offer all U. If you missed a scheduled payment on an account by 150 days, the lender may report your Payment Status as 120 Days Late. com. In this. S. Your overall credit utilization ratio can include all your credit cards and other types of revolving credit accounts. You can request a free copy of your personal report at If you have already received your free annual report, there are other options. Know What a Credit Freeze Is. The first thing to do is make sure to bring all delinquent or past due accounts current. Federal law allows businesses to check your credit references, in the form of a credit report, before they agree to do business with you. It doesn’t get more perfect than 100%, so tell us more. FICO ® Score, 714, falls within the Good range. What exactly does 100% coverage mean? Experian Health developed an algorithmic engine known as our Universal Identity Manager about five. Depending on the type of debt relief you choose, you may be able to accomplish one or more of the following objectives: Combine multiple monthly payments into one. What does Experian mean? Information and translations of Experian in the most comprehensive dictionary definitions resource on the web. Quick Answer. A score of 800 or above on the same range is considered to be excellent. S. Here's the formula for calculating simple interest: P × R × N = Simple Interest. To unfreeze your Experian credit report, log in to your Experian account or create one for free. A reverse mortgage is a type of home loan that allows homeowners 62 and older to tap into their equity. Travel credit cards allow you to earn rewards in the form of airline miles, hotel points, transferable points or cash back. Experian Go™ is a new program that helps people who are credit invisible create their own credit report and start building their credit history in minutes, all for free. Foreclosure is a potentially devastating experience that borrowers and lenders prefer to avoid at all costs. ( 474 reviews) View card details. With the touch of a button, you can lock your Credit File, keeping fraudsters and identity thieves away. Date of birth. Re: Experian card matches vs CC company prequalifications. Continue to Monitor Your Credit. Experian is a multinational consumer credit reporting agency (CRA) based in Dublin, Ireland. "Your student loan reports to Experian on the eighth of each month, to TransUnion on the first and to Equifax on the 15th of each month. Your inquiry initiatesa search of this. Because credit reports record your history managing credit, you won't have one if you've never had a credit account. That number is your credit score. P = Principal amount. Filed for bankruptcy in the last several years. 0 scores from TransUnion and Equifax. Box 9554, Allen, TX 75013. An account that pays compound interest pays interest on the interest you earn. Debt settlement is a process of negotiating with lenders in hopes they'll accept less than what you owe them. Experian's personal privacy scan lets you run privacy scans regularly to identify and remove private information posted online. The NGINX Loadbalancer for Kubernetes, or NLK, is a Kubernetes controller that provides TCP load balancing external to a Kubernetes cluster running on-premise. I have no experience of experian reports or the aim behind your report but I do know of sole traders who refuse to incorporate for a number of reasons. Credit scores are generated using scoring algorithms, or advanced statistical models that use the information in your credit history to assign you a three-digit score. When you are seriously delinquent on an account, the lender may write the account off as a loss to their business, which means the account would be. 1. When requesting a credit report online, Experian will ask for certain identifying information, and you will be asked a series of questions pertaining to your credit history. Reconnect your account by logging in with your bank credentials. The first step that typically occurs when a creditor processes your credit application is a credit check, and that requires access to your credit. * Credit score calculated based on FICO ® Score 8 model. O. A checking account is a bank account that allows you to make regular cash deposits and withdrawals in order to manage your everyday expenses. While Experian doesn't make judgments about the information in your credit report, this list is provided as a service to direct your attention to what lenders are likely to consider negative when. 4 definitions of NLK. How to Establish Credit. An illustration and description of a sample Credit Profile Report follow. Add multifactor authentication to your accounts. The fact that the US needs a system of debt and credit doesn’t mean it has to be the system we have now. Credit Repair Organization. Glossary Glossary of account conditions and payment status Version 8 — Alpha This glossary is for interpreting data on the Credit Profile Report from Experian. Although these may be an option for getting loans with bad credit, the interest rates on pay day, same day, and emergency loans can be very high. NLK. 35 Categories. Re: Experian: Your Balance decreased, your score decreased. O. What does “credit invisible” mean? Credit mistakes to avoid;. They can then sell the blank signed check or make it out to themselves and deposit the money into an account they control. Below are the types of information you may see on your Experian credit report. Achieving a good credit score can help you qualify for a credit card or loan with a lower interest rate and better terms. Let's examine the different definitions of being debt-free along with useful practices to achieve a debt-free life. Credit Karma is a user-friendly online service that offers free Vantage 3. At the federal level, it is governed by the Fair Debt Collections Practices Act (FDCPA), and state laws may also apply. Information recorded to this file is obtained from County Court Judgements, CAIS and CAPS in joint names. O. Key Takeaways. Key Takeaways. Ideally, you should pay your credit card balances in full each month. The ability to control who can access your Experian Credit File is in your hands. Menu Search "AcronymAttic. 99 + VAT. The date founded listed on your report tells lenders how long you’ve been in business officially. It's a good idea to focus on resolving any inaccuracies on your credit report yourself before you pay a company to do it for you. Using the previous example, here's how much simple interest your $10,000 deposit in a savings account would earn in three years. Login . This type of insurance offers assistance, such as reimbursement of theft-related costs, as you seek to restore your identity and repair credit damage. The higher your score, the better your chances of getting the best deals. After your dispute is completed, you can log in to your. Also keep in mind that 0% APR doesn't mean zero payments. You should. When you have high home equity, you. S. When you dispute an account with your creditor, they may report the statement "account in dispute" with their account history while the dispute process is underway. Your experience may vary with each credit. 5% of $1,045). 99 a month after that if you don't cancel. You can calculate your utilization rate by: Adding up the total balances on all credit cards. Such negative impacts to your credit could lead to higher interest rates and even a credit card or loan rejection. 99 /month †. 0 model to the data stored within each credit bureau. For the same $30,000 loan and 60-month term, consumers would pay. Taking on credit such as a credit card or loan can offer opportunities you may not have. Credit Reporting Agency ( Equifax, Experian, TransUnion) CRO. Included in your credit report is a historical record of how and when you pay your bills, how much debt you have, and how long you have been managing credit accounts. payment account. Experian is a Program Manager, not a bank. To become a prime loan borrower, you'll typically need to have a credit score of 670 or above. You should consult your own attorney or seek specific advice from a legal professional regarding any legal issues. Please understand that Experian policies change over time. N = Number of years. The new gauge shows the score range (from 1 – 100) for vehicles of similar age in the same class. Choosing a shorter loan term will increase your payments, but usually lowers your interest rates, so you pay less over the life of the loan. October 12, 2020 • 4 min read. For example, missing a payment will negatively affect both your credit score and theirs. It doesn’t get more perfect than 100%, so tell us more. A Kubernetes cluster running on-premise. VantageScore 3. there are only a handful of in-depth computational models capable of capturing meaning of natural language and knowledge expressed in natural language such as. NLK. S. Overall Summary: Summary of search results presented on the first page. Your credit report will retain the account's payment history, however. If "short account history" is a top factor influencing your FICO ® Score, it will appear in the list of items hurting your score. The Experian Smart Money™ Debit Card is issued by Community Federal Savings Bank (CFSB), pursuant to a license from Mastercard International. When the dispute process is completed, they typically remove that statement. Your credit report, sometimes referred to as your credit file or credit history, is a detailed record of all your credit and debt accounts. Be sure to note its date, the name of the grantor (the seller who transferred the deed to the. A good utilization rate is a low utilization rate. When you submit a dispute, the credit reporting agency will contact the information provider (typically a lender, credit card company or bank) to verify the information you're disputing. Only include copies and do not send original documentation. 99 for families. If you are unable to identify why your report was. The higher the score, the less of a lending risk you present. What does NLK stand for? NLK abbreviation. The most important thing to know about credit repair organizations is that there is nothing they can do for you that you can't do for yourself. A FICO ® Score of 651 places you within a population of consumers whose credit may be seen as Fair. Please understand that Experian policies change over time. If you'd like to have a copy of your credit report delivered to you by mail, call 866-200-6020. Authentication Index. Your score falls within the range of scores, from 670 to 739, which are considered Good. There are two types of credit inquiries: hard inquiries and soft inquiries. S. However, when you look at the average overall credit utilization broken down by credit score group, it's clear that lower is better. Find out how cash balance pension plans work and how they are similar (and different) from other. Here's what you should know to help you achieve your goal. . Banking services provided by CFSB, Member FDIC. Its the same with the reference number you had - its will be specific to the credit checking company that provided the. Credit scoring models use various credit age-related metrics when calculating your score, including: As a general rule of thumb, a longer credit history is better for your credit scores. The number of people employed by the limited company or business associated with the application is unknown or too low. Experian reviews show many negative reviews; however, it is up to each consumer to learn what Experian credit monitoring can offer. It Is used to identify your company and verify its legal. Experian is a Program Manager, not a bank. As with any service, it is important to compare benefits, services, and fees so you can make a responsible decision. To place a freeze on your. Editorial Policy: The information contained in Ask Experian is for educational purposes only and is not legal. This is most common with retail credit when an inquiry is done by the bank that manages the account. If your credit score is below 640, or if you have no established credit history (and therefore cannot generate a credit score), you could still qualify for a USDA mortgage if the lender gauges your creditworthiness through a process known as manual. They are tax-deferred, meaning contributions you make to the plan come out of your paycheck before your income is taxed. Click the "Remove Freeze" button to thaw your credit report indefinitely, or click the "Temporarily Lift Freeze" button to set a range of dates during which your credit report will be unfrozen. For each matched record, the employment phone number, whether the number is a mobile or landline, the creation date of the CAPS record and the name and address details will be shown. Creditors are not required to report account information, so it is. Experian's consumer credit report is designed to be easy to read and understand. 3. TransUnion on the first, 10th and 15th. When you order your own credit report, it's called a "soft inquiry". Short selling stocks is an investment strategy that some investors can use to profit off of stocks as they decrease in value. The Experian specific unincorporated number is the unique reference number that Experian holds for all non-limited businesses. Send your completed dispute information to the address above. Debt settlement companies manage this process with the understanding that you'll pay them if they succeed in getting your debts reduced or forgiven. FREE trial available. 180 Days Past Due. These are just estimations based on individual consumers’ experiences. Make the Most of Preapproved Credit Card Offers. To place either of these alerts, a consumer reporting agency will require you to provide appropriate proof of your identity, which may. You should consult your own attorney or seek specific advice from a legal professional regarding any legal issues. To obtain a copy, order now or call 1 888 EXPERIAN (1 888 397 3742). What does NLK stand for in Airline? Get the top NLK abbreviation related to Airline. It could simply mean you don't have very many accounts in your credit file. But chances are at some point, you'll need to file an insurance claim. Monitoring your credit report regularly is the single best way to spot errors. 1. Fraud resolution and up to $1 million ID theft insurance ※. Examples of derogatory accounts include collections, charge-offs, foreclosures and repossessions. Length or age of credit history refers to the age of the accounts that appear in your credit reports. A person is said to be "credit invisible" if they have no credit history or report at any of the three national credit bureaus (Experian, TransUnion and Equifax). Here are three methods you can use to get around the Catch-22 and become scoreable: 1. Preapproval may be a more rigorous process and can sometimes be a better. Experian will contact your lender and ask them to verify and update the account accordingly. e. You can complete the Request Form and mail it to: Annual Credit Report Request Service, P. This is most common with retail credit when an inquiry is done by the bank that manages the account. It's an essential tool when managing finances because money can be securely stored away in a checking account yet remain easily accessible. Written requests should. " Gross income includes wages, dividends, capital gains, business income, retirement distributions and additional items like tips, rental property income and unemployment benefits. So if your annual salary is $60,000. Experian is a multinational data analytics and consumer credit reporting company headquartered in Dublin, Ireland. 0. In this article: You can find personal loans from several types of lenders, including online-only lenders, banks and credit unions. Charles Costarella July 24, 2022. Posts reflect Experian policy at the time of writing. If you don't have a credit score, it may be because there isn't enough information in your credit history, or because there aren't any records there at all. It is not a limited company. Editorial Policy: The information contained in Ask Experian is for educational purposes only and is not legal. Nemo-like Kinase (biology) NLK. This can happen when an identity thief uses your information to open a new account in your name. Like a credit freeze, you can unlock your credit file to give others access to your credit file whenever you want. Learn more. * Credit score calculated based on FICO ® Score 8 model. Mortgage forbearance is a short-term suspension or reduction of monthly mortgage payments granted by a lender to help a borrower through temporary. In this case, you may not see the full name of the retail store. A Chapter 7 bankruptcy will remain on your credit reports and affect your credit scores for 10 years from the filing date; a Chapter 13 bankruptcy will affect your credit reports and scores for seven years. (i. When you use Experian CreditLock to lock your Experian credit file: Lenders and financial institutions you don't currently do business with can't access it. They gather data on millions of people worldwide and collate it and then run algorithms on it to come up with a 3-digit number. Historically, ID thieves have used personal information (names, addresses, Social Security numbers and more) to take out loans or open new credit card accounts in victims' names. Experian’s Credit Profile Report Files on more than 220 million credit-active consumers nationwide are maintained in Experian’s database. 99 per month. Experian cannot return copies from. Instead of visiting a local bank branch to perform banking tasks such as making a deposit, transferring money or paying your bills, you handle everything with your financial institution through a secure website or app. It's a common misconception that a credit report is created when you're. Dear RRO, Changes to the personal information section occur when a creditor reports a change to Experian, such as a new address. When you freeze your credit reports, it makes it harder for. 150 Days Past Due. Experian, TransUnion and Equifax now offer all U. To take a deeper dive, we sat down with Victoria Dames, an Experian Health leader in the identity management space to learn more. Social Security number. Bankruptcy may help you get relief from your debt, but it's important to understand that declaring bankruptcy has a serious, long-term effect. A credit freeze limits most companies from being able to access your credit report until you lift it, or "thaw" your credit. population, the following general credit tiers can be identified by these score ranges: Credit Tiers. Thanks for asking. 99 a month for individuals and $34. The Experian Smart Money ™ Debit Card is issued by Community Federal Savings Bank (CFSB), pursuant to a license from Mastercard International. Experian Connect allows you to securely share your credit report, or request access to view someone’s report, directly. April 28, 2023 • 5 min read. About 4. Find the best credit cards for you with Experian. Also, there is no fee to check someone else's credit report. Glossary Glossary of account conditions and payment status Version 8 — Alpha This glossary is for interpreting data on the Credit Profile Report from Experian. If you are unable to identify why your report was. Try Experian CreditWorks SM Premium free for 7 days, then just $24. Find the property's most recent title deed. The nature of the stolen data can depend on the type of organization targeted, but victims may include customers, account holders, group members and employees. The categories or order of information shown in this guide may differ from the version of your credit report you're looking over. The risk factor "too few accounts currently paid as agreed" does not necessarily mean there are late payments or unpaid accounts appearing on your credit report. Quick Answer. In addition to providing you the ability to get a free copy of your own. Get an instant business credit report and see a clear company check with financial status and directors. Our small business website does not provide access to Experian's personal credit information. 3 See your results instantly. 180 Days Past Due. S. . It can also mean that you simply have too few accounts in your credit history to determine lending risk. Generally, you can only borrow up to your card's cash advance limit and not your full credit limit. Experian CreditLock provides real-time alerts when someone applies for credit in your name and comes with identity theft insurance. The compnay number begins with NL. Can I add a note to my Experian Credit Report explaining something that's on there? – + If you want to explain the reason for any negative information on your Experian credit report - for example you have missed a payment, and you believe there is a good reason that you missed it, for example you couldn't pay it because you were in hospital - you can add a. Editorial Policy: The information contained in Ask Experian is for educational purposes only and is not legal advice. Account condition Code Explanation BK7PET A Petitioned for Chapter 7 BankruptcyWhat Does Prequalification Mean? The prequalification process can help a lender gauge your eligibility and possibly provide the interest rate or terms you might qualify for on a loan. There is a record of at least one unsatisfied mortgage or charge associated with the limited company. A secured credit card requires a security deposit as part of the application process. This means that the company's shareholders are not pe. 1. S. No matter what type of organization is. You can call Experian's National Consumer Assistance Center at 888-397-3742 for questions regarding your personal account. The 1992 SIC code for the company or limited business indicates it may be unsuitable to deal with. The bad news about your FICO ® Score of 500 is that it's well below the average credit score of 714. neurotropic lymphokine, neuroleukin. Credit-builder loans generally come in increments of $300 to $1,000. Experian collects and aggregates information on over 1 billion people and businesses including 235 million individual U. Your Experian credit report will list any accounts that have negative information, such as late payments, under the "potentially negative" section. A good utilization rate is a low utilization rate. A company registration number is a unique combination of numbers and letters to enable accurate identification. Experian offers free access to credit scores and credit reports. We also offer a request for information form on our website or you can email your questions to dataquality. You should get the best credit cards, loans and mortgages (but there are no guarantees). Submit a dispute online via the Experian Dispute Center to let us know the account should show as closed. Reverse mortgages come with unique terms and conditions, as well as risks, so it's crucial for interested homeowners to. so I went to the Citi pre-qual site to see if I qualified and they said I was qualified for. " Assets are anything you own that has economic value, and can include physical forms of wealth such as real estate or fine. Foreclosure is a potentially devastating experience that borrowers and lenders prefer to avoid at all costs. It's possible to short sell stocks as a way to speculate on the price of a particular stock or to hedge against. Order now. Your score falls within the range of scores, from 740 to 799, that is considered Very Good. reached 714. Posts reflect Experian policy at the time of writing. (FDIC). That means living without fear of your electricity or water being turned off, and avoiding damage to your credit score with a missed loan or credit card payment. Please understand that Experian policies change over time. Having a debt in collections can be stressful, but understanding what debt collection is, how it works, how to deal with debt collectors. Please understand that Experian policies change over time. Your inquiry initiatesa search of this database, which produces an applicant’s credit history — the Credit Profile Report. S. All Experian credit reports contain the information you need to assess your entire credit history. Definition of Experian in the Definitions. If you do pick up the phone and realize it's a. Your credit report represents the history of how you've managed your accounts. The credit bureaus are required to complete a freeze on your credit file within 24 hours of receiving a phone request and must lift the freeze within one hour following a phone request. Check washing is when thieves steal checks from the mail and wash away the payee and amount. Apply for a New Auto Loan. It can prevent you from qualifying for loans, credit cards and housing and complicate your ability to rent cars and get cellphone and cable subscriptions. They take credit. Please login or register to join the discussion. A credit freeze is a tool consumers can use to help protect themselves against credit fraud. Experian’s Credit Profile Report Files on more than 220 million credit-active consumers nationwide are maintained in Experian’s database. However, the federal Fair Credit Reporting Act (FCRA) strictly limits who can access your credit report and under what circumstances. Getting the UK’s leading credit score could help you meet your money goals – such as getting a house, car, loan or credit card. Editorial Policy: The information contained in Ask Experian is for educational purposes only and. Open a secured credit card. . How to Protect Your Information You can protect your personal information by taking steps to opt-out of data collecting companies like people finder sites as well as barring access to your data on social media. Our solutions are built to help you make better informed decisions to manage risk, understand business finances and creditworthiness, and maximise opportunity. 2. In this case, you may not see the full name of the retail store. Both companies collect credit information on individual consumers,. You may be able to refinance your loan. Bankruptcy is a legal process overseen by federal bankruptcy courts. N O P R S T U V W Filter Account Condition Indicates the present state of the account, but does not indicate the payment history of the account that led to the current state. The Consumer Financial Protection Bureau (CFPB) estimates that 26 million U. @Anonymous is correct.