SCOPE
James Wilson
September 18, 2026
James Wilson
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Your SCOPE Review
Your credit.
In context.
We've reviewed the complete picture.
Here's what matters.
Here's what matters.
Three bureaus. One complete picture.
782
Equifax
790
Experian
776
TransUnion
Real bureau data · Expert perspective
17
Total Accounts
Complete profile reviewed
2
Priority Items
Higher significance
3
Items to Watch
Worth understanding
12
Positive Accounts
Established history
Executive Briefing
Strong Foundation
Your credit profile is well established across all three bureaus, with substantial positive history and no recent late payments identified in this review.
A small number of items deserve additional attention: one revolving account is reporting above its stated limit, another carries materially higher utilization than the rest of the profile, and an older collection remains unresolved.
Those observations should be understood within the context of an otherwise established and predominantly positive credit profile.
What Matters Right Now
1
Capital One · Reporting Over Limit
$8,420 balance against an $8,000 limit. Approximately 105% utilization.
2
Chase Sapphire · Elevated Utilization
$11,400 balance against a $17,000 limit. Approximately 67% utilization.
3
Verizon · Unresolved Collection
$1,240 reported balance. Collection first reported May 2025.
Analyst Perspective
S
The broader profile remains well established. The Capital One account currently stands out because it is reporting above its stated limit. Chase Sapphire represents the largest revolving utilization concentration, while the older Verizon collection remains an unresolved derogatory item. Outside of these areas, the profile contains substantial established positive history.
Complete Profile
Your Accounts · Reviewed & Explained
Every account is considered within the context of your complete credit profile.
Revolving Accounts
Capital One
Revolving Credit · Current
Balance
$8,420
Limit
$8,000
Utilization
105%
Priority
This account is currently reporting above its stated credit limit. Its balance and utilization make it one of the most significant observations in the current review.
Chase Sapphire
Revolving Credit · Current
Balance
$11,400
Limit
$17,000
Utilization
67%
Attention
This account is reporting substantially higher utilization than the other revolving accounts in the profile. Payment status remains current, but the utilization level makes the account worth watching.
American Express
Revolving Credit · Current
Balance
$2,100
Limit
$25,000
Utilization
8%
Positive
Established revolving account with low reported utilization and positive payment history. No material concern identified in this review.
Discover
Revolving Credit · Current · Opened 2011
Balance
$340
Limit
$14,500
Utilization
2%
Positive
Long-established account with very low utilization. Its age contributes positively to the depth of the overall revolving credit profile.
Installment & Mortgage Accounts
Wells Fargo Auto
Auto Loan · Current
Balance
$12,300
Status
Current
Recent Lates
None
Positive
Current installment account with no recent payment issues identified. It adds additional account-type depth to the overall profile.
Chase Mortgage
Mortgage · Current
Balance
$412,000
Status
Current
Recent Lates
None
Positive
Established mortgage history reporting current across the reviewed credit information. No material concern identified in this review.
Derogatory History
Items Requiring Additional Understanding
Negative items are considered separately because their significance differs from routine account activity.
Verizon
Collection
This is an unresolved collection appearing on the current credit
profile. Its age, reported balance and reporting status make it an item
worth understanding separately from the otherwise positive account
history. Depending on the circumstances, the client may wish to
understand available options or discuss the account directly with the
creditor, collector or an appropriate professional.
Recent Activity
Since Your Previous Review
New Authorized User Account
Chase
September 5, 2026
September 5, 2026
Hard Inquiry
American Express
August 28, 2026
August 28, 2026
Hard Inquiry
Capital One
August 14, 2026
August 14, 2026
Balance Decrease
American Express
August 3, 2026
August 3, 2026
Positive Foundation
What's Working Well
Established Credit History
Multiple long-standing accounts
Diverse Account Mix
Revolving · Auto · Mortgage
Recent Payment History
No recent late payments identified
Majority Positive Accounts
12 accounts currently classified positive
Next SCOPE Review
Review History
September 2026
Current Review
June 2026
Previous Review
March 2026
Previous Review
SCOPE Review
Demonstration client · Sample information for product presentation purposes