8/6/24, 5:45 PM Your Credit Health | Credit Karma

View report from

Aug 06, 2024

BRIAN J SIPULA
614
Calculated using VantageScore 3.0
Provided by Equifax

Personal Information

For You Credit Cards Loans Money

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NAMES REPORTED

BRIAN J SIPULA
BRIAN SITULA
WILLIAM J SIPULA

EMPLOYMENT INFO

You have no employment information on your credit report.

ADDRESSES REPORTED

1235 PHELPS ST
OTTAWA, IL
61350

402 S 5TH ST
CASEYVILLE, IL
62232

1323 CHEROKEE LN
OTTAWA, IL
61350

918 CLINTON ST
OTTAWA, IL
61350

2503 E 1704TH RD
OTTAWA, IL
61350

Accounts
Here's every account on your Equifax report. Click on the account name for more details.

AUTO LOANS

FINANCIAL PLUS CREDI $0.00 -

Reported: Sep. 30, 2023 Closed

Overview
For You Credit Cards Loans Money

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You have 100% left to pay on this loan.

Balance Highest Balance

No Info No Info

Monthly payment No Info

Opened Jun. 05, 2018 (6 yrs, 2 mos)

Term No Info

Payment History

You’ve made 98% of payments for this account on time.

J F M A M J J A S O N D
2023
2022

2021
2020

Current Late Unknown

Last payment No Info

Current Payment Status Included in Bankruptcy

Worst Payment Status Included in Bankruptcy

For You Credit Cards Loans Money

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Account Details

Account status Closed

Type Auto

Remarks Bankruptcy chapter 7

Bankruptcy discharged

Times 30/60/90 days late 1/0/0

Closed No Info

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Creditor Information
FINANCIAL PLUS CREDI
800 CHESTNUT ST
OTTAWA, IL 61350

FINANCIAL PLUS CREDI $0.00 -

Reported: Oct. 31, 2016 Closed

Overview
You have 0% left to pay on this loan.

For You Credit Cards Loans Money

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Balance Highest Balance

$0 $9020

Monthly payment No Info

Opened Sep. 24, 2007 (16 yrs, 10 mos)

Term 29 months

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2016

2015

2014

2013

Current Late Unknown

Last payment Nov. 01, 2014

Current Payment Status Current

Worst Payment Status Current

For You Credit Cards Loans Money

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Account Details

Account status Paid and Closed

Type Auto

Responsibility Individual Account.

Remarks No Info

Times 30/60/90 days late 0/0/0

Closed Nov. 01, 2014

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Creditor Information
FINANCIAL PLUS CREDI
800 CHESTNUT ST
OTTAWA, IL 61350

CREDIT CARDS

JPMCB CARD SERVICES $0.00 -

Reported: Jun. 04, 2015 In good standing

Overview
You're currently using 0% of your account's limit.

For You Credit Cards Loans Money

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Balance Credit limit

No Info $31000

Monthly payment $91

Opened Apr. 25, 2003 (21 yrs, 3 mos)

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2015

2014

2013

2012

Current Late Unknown

Last payment May 01, 2015

Current Payment Status Current

Amount past due $0

Worst Payment Status Current

For You Credit Cards Loans Money

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Account Details

Account status Open

Type Flexible Spending Credit Card

Responsibility Authorized User

Remarks No Info

Times 30/60/90 days late 0/0/0

Closed No Info

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Creditor Information
JPMCB CARD SERVICES
PO BOX 15369
WILMINGTON, DE 19850-5369

(800) 945-2000

FINGERHUT/WEBBANK $0.00 -
Reported: Oct. 15, 2023 Closed

Overview
You're currently using 0% of your account's limit.

For You Credit Cards Loans Money

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Balance Credit limit

No Info No Info

Monthly payment No Info

Opened Dec. 18, 2019 (4 yrs, 7 mos)

Payment History

You’ve made 9% of payments for this account on time.

J F M A M J J A S O N D
2023

2022
2021

2020

Current Late Unknown

Last payment No Info

Current Payment Status Included in Bankruptcy

Amount past due $0

Worst Payment Status Included in Bankruptcy

For You Credit Cards Loans Money

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Account Details

Account status Closed

Type Charge Account

Remarks Bankruptcy chapter 7

Bankruptcy discharged

Times 30/60/90 days late 1/1/41

Closed No Info

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Creditor Information
FINGERHUT/WEBBANK
6250 RIDGEWOOD ROAD
ST CLOUD, MN 56303

(866) 734-0342

FIRST PREMIER $0.00 -

Reported: Oct. 15, 2023 Closed

Overview
You're currently using 0% of your account's limit.

Balance
For You Credit Cards Loans Credit limit
Money

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No Info No Info

Monthly payment No Info

Opened Mar. 26, 2020 (4 yrs, 4 mos)

For You Credit Cards Loans Money

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Payment History

You’ve made 5% of payments for this account on time.

J F M A M J J A S O N D
2023

2022
2021

2020

Current Late Unknown

Last payment No Info

Current Payment Status Included in Bankruptcy

Amount past due $0

Worst Payment Status Included in Bankruptcy

Account Details

Account status Closed

Type Credit Card

Remarks Bankruptcy chapter 7

Account closed by credit grantor
Bankruptcy discharged

Times 30/60/90 days late 1/1/39

Closed No Info

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Creditor Information
FIRST PREMIER
3820 N LOUISE AVE
SIOUX FALLS, SD 57107

(605) 357-3440

KOHLS/CAPITAL ONE $0.00 -

Reported: Oct. 22, 2023 Closed

Overview
You're currently using 0% of your account's limit.

Balance Credit limit

$0 $300

Monthly payment No Info

Opened Nov. 20, 2020 (3 yrs, 8 mos)

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2023
2022

2021
2020

Current Late Unknown

For You Credit Cards Loans Money

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Last payment No Info

Current Payment Status Current

Amount past due $0

Worst Payment Status Current

Account Details

Account status Paid and Closed

Type Charge Account

Responsibility Individual Account.

Remarks Account closed by credit grantor

Times 30/60/90 days late 0/0/0

Closed Oct. 01, 2023

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Creditor Information
KOHLS/CAPITAL ONE
PO Box 3115
Milwaukee, WI 53201-3115

(800) 564-5740

For You Credit Cards Loans Money

FINANCIAL PLUS CREDI $0.00
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Reported: Sep. 30, 2023 Closed

-

Overview

You're currently using 0% of your account's limit.

Balance Credit limit

No Info No Info

Monthly payment No Info

Opened Oct. 03, 1998 (25 yrs, 10 mos)

Payment History

You’ve made 99% of payments for this account on time.

J F M A M J J A S O N D
2023
2022

2021
2020

Current Late Unknown

Last payment No Info

Current Payment Status Included in Bankruptcy

Amount past due $0

Worst Payment Status Included in Bankruptcy

For You Credit Cards Loans Money

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Account Details

Account status Closed

Type Credit Card

Remarks Bankruptcy chapter 7

Bankruptcy discharged

Times 30/60/90 days late 1/0/0

Closed No Info

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Creditor Information
FINANCIAL PLUS CREDI
800 CHESTNUT ST
OTTAWA, IL 61350

INDIGO - CELTIC BANK $0.00 -

Reported: Oct. 01, 2021 Closed

Overview
You're currently using 0% of your account's limit.

For You Credit Cards Loans Money

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Balance Credit limit

$0 $300

Monthly payment No Info

Opened Dec. 11, 2019 (4 yrs, 7 mos)

For You Credit Cards Loans Money

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Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2021

2020
2019

Current Late Unknown

Last payment No Info

Current Payment Status Current

Amount past due $0

Worst Payment Status Current

Account Details

Account status Paid and Closed

Type Credit Card

Responsibility Individual Account.

Remarks Account closed due to inactivity

Times 30/60/90 days late 0/0/0

Closed May 01, 2020

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Creditor Information
INDIGO - CELTIC BANK
PO BOX 4499
BEAVERTON, OR 97076

(866) 946-9545

CAPITAL ONE BANK USA $0.00 -

Reported: Nov. 11, 2020 Closed

Overview
You're currently using 0% of your account's limit.

Balance Credit limit

$0 $300

Monthly payment No Info

Opened Feb. 19, 2020 (4 yrs, 5 mos)

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2020
Current Late Unknown

Last payment No Info

Current Payment Status Current

Amount past due $0

Worst Payment Status Current

For You Credit Cards Loans Money

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Account Details

Account status Paid and Closed

Type Credit Card

Responsibility Individual Account.

Remarks Account closed by credit grantor

Times 30/60/90 days late 0/0/0

Closed Oct. 01, 2020

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Creditor Information
CAPITAL ONE BANK USA
PO BOX 31293
Salt Lake City, UT 84131-1293

(800) 955-7070

SYNCB/PPC $0.00 -
Reported: Nov. 02, 2020 Closed

Overview
You're currently using 0% of your account's limit.

For You Credit Cards Loans Money

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Balance Credit limit

$0 $100

Monthly payment No Info

Opened Nov. 17, 2019 (4 yrs, 8 mos)

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2020

2019
Current Late Unknown

Last payment No Info

Current Payment Status Current

Amount past due $0

Worst Payment Status Current

Account Details

Account status Paid and Closed

Type Credit Card

Responsibility Individual Account.

Remarks Account closed by credit grantor

Times 30/60/90 days late 0/0/0

Closed Aug. 01, 2020

For You Credit Cards Loans Money

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Creditor Information
SYNCB/PPC
PO BOX 965005
ORLANDO, FL 32896

(844) 373-4961

DISCOVER BANK $0.00 -

Reported: Jun. 17, 2020 Closed

Overview
You're currently using 0% of your account's limit.

Balance Credit limit

$0 $2000

Monthly payment No Info

Opened Mar. 29, 2020 (4 yrs, 4 mos)

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
For You Current Late
Credit Unknown Cards Loans Money

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J F M A M J J A S O N D
2020

Current Late Unknown

Last payment No Info

Current Payment Status Current

Amount past due $0

Worst Payment Status Current

Account Details

Account status Paid and Closed

Type Credit Card

Responsibility Individual Account.

Remarks Account closed at consumers request

Times 30/60/90 days late 0/0/0

Closed May 01, 2020

For You Credit Cards Loans Money

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Creditor Information
DISCOVER BANK
PO BOX15316
WILMINGTON, DE 19850-5316

(800) 347-2683

SEARS/CBNA $0.00 -
Reported: Mar. 26, 2018 Closed

Overview
You're currently using 0% of your account's limit.

Balance Credit limit

$0 $250

Monthly payment No Info

Opened Sep. 03, 2007 (16 yrs, 11 mos)

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
For You Current Late
Credit Unknown Cards Loans Money

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J F M A M J J A S O N D
2018
2017

2016

2015

Current Late Unknown

Last payment Jul. 01, 2010

Current Payment Status Current

Amount past due $0

Worst Payment Status Current

Account Details

Account status Paid and Closed

Type Charge Account

Responsibility Individual Account.

Remarks Account closed by credit grantor

Times 30/60/90 days late 0/0/0

Closed Oct. 01, 2011

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For You Credit Cards Loans Money

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Creditor Information
SEARS/CBNA
133200 SMITH RD
CLEVELAND, OH 44130

SYNCB/LEATH FURNITUR $0.00 -

Reported: Sep. 21, 2016 Closed

Overview
You're currently using 0% of your account's limit.

Balance Credit limit

$0 $6500

Monthly payment No Info

Opened Sep. 11, 2005 (18 yrs, 10 mos)

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2016

2015

2014

2013

Current Late Unknown

Last payment No Info

For You Credit Cards Loans Money

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Current Payment Status Current

Amount past due $0

Worst Payment Status Current

Account Details

Account status Paid and Closed

Type Charge Account

Responsibility Individual Account.

Remarks Account closed at consumers request

Times 30/60/90 days late 0/0/0

Closed Apr. 01, 2007

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Creditor Information
SYNCB/LEATH FURNITUR
C/O P.O. BOX 965036
ORLANDO, FL 32896-5036

(866) 396-8254

For You Credit Cards Loans Money

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OTHER LOANS

FINANCIAL PLUS CREDI $0.00 -

Reported: Oct. 15, 2023 Closed

Overview
You have 100% left to pay on this loan.

Balance Highest Balance

No Info No Info

Monthly payment No Info

Opened Oct. 26, 2020 (3 yrs, 9 mos)

Term No Info

Payment History

You’ve made 97% of payments for this account on time.

J F M A M J J A S O N D
2023
2022

2021

2020

Current Late Unknown

Last payment No Info

Current Payment Status Included in Bankruptcy

Worst Payment Status Included in Bankruptcy

For You Credit Cards Loans Money

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Account Details

Account status Closed

Type Unsecured

Remarks Bankruptcy chapter 7

Bankruptcy discharged

Times 30/60/90 days late 1/0/0

Closed No Info

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Creditor Information
FINANCIAL PLUS CREDI
800 CHESTNUT ST
OTTAWA, IL 61350

FINANCIAL PLUS CREDI $0.00 -

Reported: Sep. 30, 2023 Closed

Overview
You have 100% left to pay on this loan.

For You Credit Cards Loans Money

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Balance Highest Balance

No Info No Info

Monthly payment No Info

Opened Jan. 06, 2020 (4 yrs, 7 mos)

Term No Info

For You Credit Cards Loans Money

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Payment History

You’ve made 95% of payments for this account on time.

J F M A M J J A S O N D
2023

2022

2021
2020

Current Late Unknown

Last payment No Info

Current Payment Status Included in Bankruptcy

Worst Payment Status Included in Bankruptcy

Account Details

Account status Closed

Type Unsecured

Remarks Bankruptcy chapter 7

Bankruptcy discharged

Times 30/60/90 days late 1/1/0

Closed No Info

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For You Credit Cards Loans Money

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Creditor Information
FINANCIAL PLUS CREDI
800 CHESTNUT ST
OTTAWA, IL 61350

FINANCIAL PLUS CREDI $0.00 -

Reported: Apr. 30, 2022 Closed

Overview
You have 0% left to pay on this loan.

Balance Highest Balance

$0 $1000

Monthly payment No Info

Opened Apr. 14, 2020 (4 yrs, 3 mos)

Term 12 months

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2022
2021

2020

Current Late Unknown

Last payment Apr. 01, 2020

Current Payment Status Current

Worst Payment Status

For You Credit Cards Loans Current
Money

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Account Details

Account status Paid and Closed

Type Unsecured

Responsibility Individual Account.

Remarks Fixed rate

Times 30/60/90 days late 0/0/0

Closed Apr. 01, 2020

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Creditor Information
FINANCIAL PLUS CREDI
800 CHESTNUT ST
OTTAWA, IL 61350

FINANCIAL PLUS CREDI $0.00 -

Reported: Mar. 31, 2021 Closed

Overview
You have 0% left to pay on this loan.

Balance
For You Credit Cards Loans Highest Balance
Money

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$0 $1500

Monthly payment No Info

Opened Dec. 12, 2018 (5 yrs, 7 mos)

Term 4 months

For You Credit Cards Loans Money

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Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2021

2020

2019
2018

Current Late Unknown

Last payment Apr. 01, 2019

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Paid and Closed

Type Unsecured

Responsibility Individual Account.

Remarks Fixed rate

Times 30/60/90 days late 0/0/0

Closed Apr. 01, 2019

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For You Credit Cards Loans Money

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Creditor Information
FINANCIAL PLUS CREDI
800 CHESTNUT ST
OTTAWA, IL 61350

FINANCIAL PLUS CREDI $0.00 -

Reported: Oct. 31, 2019 Closed

Overview
You have 0% left to pay on this loan.

Balance Highest Balance

$0 $10916

Monthly payment No Info

Opened Jun. 26, 2015 (9 yrs, 1 mo)

Term 35 months

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2019
2018

2017

2016

Current Late Unknown

For You Credit Cards Loans Money

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Last payment Nov. 01, 2017

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Paid and Closed

Type Unsecured

Responsibility Individual Account.

Remarks Fixed rate

Times 30/60/90 days late 0/0/0

Closed Nov. 01, 2017

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Creditor Information
FINANCIAL PLUS CREDI
800 CHESTNUT ST
OTTAWA, IL 61350

FINANCIAL PLUS CREDI $0.00 -

Reported: Feb. 28, 2019 Closed
For You Credit Cards Loans Money

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Overview
You have 0% left to pay on this loan.

Balance Highest Balance

$0 $500

Monthly payment No Info

Opened Jan. 18, 2017 (7 yrs, 6 mos)

Term No Info

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2019

2018

2017

Current Late Unknown

Last payment Mar. 01, 2017

Current Payment Status Current

Worst Payment Status Current

For You Credit Cards Loans Money

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Account Details

Account status Paid and Closed

Type Unsecured

Responsibility Individual Account.

Remarks No Info

Times 30/60/90 days late 0/0/0

Closed Mar. 01, 2017

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Creditor Information
FINANCIAL PLUS CREDI
800 CHESTNUT ST
OTTAWA, IL 61350

FINANCIAL PLUS CREDI $0.00 -

Reported: Jun. 30, 2017 Closed

Overview
You have 0% left to pay on this loan.

Balance
For You Credit Cards Loans Highest Balance
Money

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$0 $1779

Monthly payment No Info

Opened Oct. 14, 2014 (9 yrs, 9 mos)

Term 21 months

For You Credit Cards Loans Money

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Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2017

2016

2015

2014

Current Late Unknown

Last payment Jun. 01, 2015

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Paid and Closed

Type Unsecured

Responsibility Individual Account.

Remarks No Info

Times 30/60/90 days late 0/0/0

Closed Jun. 01, 2015

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For You Credit Cards Loans Money

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Creditor Information
FINANCIAL PLUS CREDI
800 CHESTNUT ST
OTTAWA, IL 61350

FINANCIAL PLUS CREDI $0.00 -

Reported: Sep. 30, 2016 Closed

Overview
You have 0% left to pay on this loan.

Balance Highest Balance

$0 $500

Monthly payment No Info

Opened Jun. 30, 2014 (10 yrs, 1 mo)

Term No Info

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2016

2015
2014

Current Late Unknown

Last payment Sep. 01, 2014

Current Payment Status Current

Worst Payment Status

For You Credit Cards Loans Current
Money

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Account Details

Account status Paid and Closed

Type Unsecured

Responsibility Individual Account.

Remarks No Info

Times 30/60/90 days late 0/0/0

Closed Sep. 01, 2014

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Creditor Information
FINANCIAL PLUS CREDI
800 CHESTNUT ST
OTTAWA, IL 61350

FINANCIAL PLUS CREDI $0.00 -

Reported: Jul. 31, 2016 Closed

Overview
You have 0% left to pay on this loan.

Balance
For You Credit Cards Loans Highest Balance
Money

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$0 $10595

Monthly payment No Info

Opened Aug. 14, 2008 (15 yrs, 11 mos)

Term 46 months

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2016

2015

2014
2013

Current Late Unknown

Last payment Jul. 01, 2014

Current Payment Status Current

Worst Payment Status Current

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Account Details

Account status Paid and Closed

Type Unsecured

Responsibility Individual Account.

Remarks No Info

Times 30/60/90 days late 0/0/0

Closed Jul. 01, 2014

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Creditor Information
FINANCIAL PLUS CREDI
800 CHESTNUT ST
OTTAWA, IL 61350

FINANCIAL PLUS CREDI $0.00 -

Reported: Jun. 30, 2016 Closed

Overview
You have 0% left to pay on this loan.

Balance
For You Credit Cards Loans Highest Balance
Money

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$0 $800

Monthly payment No Info

Opened Nov. 19, 2013 (10 yrs, 8 mos)

Term No Info

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Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2016

2015

2014
2013

Current Late Unknown

Last payment Jun. 01, 2014

Current Payment Status Current

Worst Payment Status Current

Account Details

Account status Paid and Closed

Type Unsecured

Responsibility Individual Account.

Remarks No Info

Times 30/60/90 days late 0/0/0

Closed Jun. 01, 2014

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Creditor Information
FINANCIAL PLUS CREDI
800 CHESTNUT ST
OTTAWA, IL 61350

FINANCIAL PLUS CREDI $0.00 -

Reported: Jan. 31, 2015 Closed

Overview
You have 0% left to pay on this loan.

Balance Highest Balance

$0 $500

Monthly payment No Info

Opened Oct. 03, 2012 (11 yrs, 10 mos)

Term No Info

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2014

2013

2012

Current Late Unknown

Last payment Feb. 01, 2013

Current Payment Status Current

Worst Payment Status

For You Credit Cards Loans Current
Money

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Account Details

Account status Paid and Closed

Type Unsecured

Responsibility Individual Account.

Remarks No Info

Times 30/60/90 days late 0/0/0

Closed Feb. 01, 2013

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Creditor Information
FINANCIAL PLUS CREDI
800 CHESTNUT ST
OTTAWA, IL 61350

REAL ESTATE LOANS

TRUIST MORTGAGE $0.00 -

Reported: Oct. 15, 2023 Closed

Overview
You have 100% left to pay on this real estate loan.

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Balance Highest Balance

No Info No Info

Monthly payment No Info

Opened Jul. 22, 2008 (16 yrs)

Term No Info

Payment History

You’ve made 100% of payments for this account on time.

J F M A M J J A S O N D
2023

2022

2021

2020

Current Late Unknown

Last payment No Info

Current Payment Status Included in Bankruptcy

Worst Payment Status Included in Bankruptcy

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Account Details

Account status Closed

Type FHA Real Estate Mortgage

Remarks Bankruptcy chapter 7

Bankruptcy discharged

Times 30/60/90 days late 0/0/7

Closed No Info

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Creditor Information
TRUIST MORTGAGE
PO Box 85526
RICHMOND, VA 23285

(877) 596-5407

OTHER ACCOUNTS

SCOTT CREDIT UNION $0.00

Reported: Oct. 31, 2020 Closed

Overview
For You
You have 0% left toCredit
pay on this loan. Cards Loans Money

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Balance
No Info

Monthly payment No Info

Opened Apr. 16, 2020 (4 yrs, 3 mos)

Payment History

You’ve made 50% of payments for this account on time.

J F M A M J J A S O N D
2020

Current Late Unknown

Last payment No Info

Current Payment Status Included in Bankruptcy

Worst Payment Status Included in Bankruptcy

Account Details

Account status Closed

Type Deposit Related (overdrawn account)

Remarks Bankruptcy chapter 7

Bankruptcy discharged

Times 30/60/90 days late 0/0/3

Closed No Info

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GO TO EQUIFAX

Creditor Information
SCOTT CREDIT UNION
101 CREDIT UNION WAY
EDWARDSVILLE, IL 62025

(618) 381-7102

Hard Inquiries
When you apply for a new credit account, a hard inquiry will usually get added to your report, which
can make a small dent in your score. Here are the inquiries on your Equifax report.

Collections
If you've fallen behind on payments, your account could be sent to a collections agency. This can
have a big impact on your credit score.

Clean slate! As of Aug. 06, 2024, you have no collection accounts on your credit report.

Public Records
Things like bankruptcies and legal judgments against you can show up on your credit report and do
some damage to your score.

Discharged CH-7: Bankruptcy $0.00 -

Oct. 15, 2023 Discharged CH-7

Overview

Reference Number 2313792

Date Filed Oct. 15, 2023

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Classification Bankruptcy

Type Discharged CH-7

Responsibility Individual

Asset Amount 0.00

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No contact information has been reported by this creditor.

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