- Date:
- Sat, Jul 12, 2025 01:15 AM
- Financial Profile for:
- Melanie
- Lockwood
- Prepared by:
- unknown
- Phone number:
- Email:
- unknown
Your Current Debt Situation:
This is a detailed analysis of your current interest costs associated with your qualified unsecured debt of $45,031.00
Debt Summary
| # | Balance | Utilization | Min. Monthly Payment | Interest Paid | Total Payments | Total Payoff Time |
|---|---|---|---|---|---|---|
| Total | $45,031.00 | 57% | $1,710.00 | $26,315.74 | $71,346.74 | 25 Years |
| UPLIFT / CB | $2,491.00 | 100% | $277.00 | $205.25 | $2,696.25 | 1 Years |
| SYNCB/AMAZON PLCC | $1,964.00 | 94% | $83.00 | $972.20 | $2,936.20 | 8 Years |
| BEST BUY/CBNA | $683.00 | 34% | $6.00 | $474.42 | $1,157.42 | 7 Years |
| CBNA/WAYFAIR | $1,574.00 | 72% | $30.00 | $3,678.81 | $5,252.81 | 23 Years |
| WELLS FARGO CARD SER | $5,110.00 | 85% | $52.00 | $0.00 | $5,110.00 | 18 Years |
| ROCKLOANS MARKETPLAC | $2,621.00 | 100% | $168.00 | $387.33 | $3,008.33 | 2 Years |
| SYNCB/LOWES | $858.00 | 90% | $44.00 | $289.93 | $1,147.93 | 4 Years |
| COMENITYCAPITAL/BIGL | $540.00 | 72% | $30.00 | $146.94 | $686.94 | 3 Years |
| MACYS/CITIBANK, N.A. | $741.00 | 32% | $29.00 | $326.04 | $1,067.04 | 5 Years |
| CB/BREAD REWARDS | $2,695.00 | 96% | $98.00 | $1,725.94 | $4,420.94 | 10 Years |
| KOHLS/CAPITAL ONE | $2,293.00 | 76% | $108.00 | $990.50 | $3,283.50 | 7 Years |
| SYNCB/JC PENNEYS | $478.00 | 82% | $30.00 | $111.25 | $589.25 | 3 Years |
| SYNCB/LA-Z-BOY | $6,383.00 | 80% | $160.00 | $8,940.05 | $15,323.05 | 25 Years |
| CAPITAL ONE | $2,588.00 | 94% | $101.00 | $1,480.23 | $4,068.23 | 9 Years |
| DISCOVER BANK | $3,267.00 | 28% | $76.00 | $0.00 | $3,267.00 | 9 Years |
| EXXNMOBIL/CBNA | $318.00 | 40% | $29.00 | $46.78 | $364.78 | 2 Years |
| JPMCB - CARD SERVICE | $2,863.00 | 95% | $97.00 | $2,069.27 | $4,932.27 | 12 Years |
| ALLY CREDIT CARD | $553.00 | 37% | $27.00 | $171.56 | $724.56 | 4 Years |
| SYNCHRONY NETWORKS | $1,335.00 | 17% | $50.00 | $739.35 | $2,074.35 | 7 Years |
| COMENITYBANK/SGUIDEV | $312.00 | 15% | $30.00 | $43.74 | $355.74 | 2 Years |
| SYNCB/SAM'S CLUB DC | $963.00 | 88% | $34.00 | $529.94 | $1,492.94 | 7 Years |
| SHELL/CBNA | $689.00 | 98% | $29.00 | $271.81 | $960.81 | 5 Years |
| CITICARDS CBNA | $2,333.00 | 96% | $73.00 | $1,885.03 | $4,218.03 | 12 Years |
| BARCLAYS BANK DELAWA | $1,379.00 | 23% | $49.00 | $829.37 | $2,208.37 | 8 Years |
Budget Details
- Total Monthly Income
- (All Sources) $8,500.00
- Total Monthly Expenses
- $5,293.92
- Funds Available
- $3,206.08
Credit Used
Here is how much of your "credit" you're actually using. It's called your utilization score.* This is the ratio of your available credit compared to your balance owed.
*A healthy score is around 20%.- Your Utilization Score
- 57%
- 75% +
- 50 - 74%
- 30 - 49%
- 10 - 29%
- 0 - 9%
- Your Total Credit Utilization
- 57% Poor
- Total Outstanding Unsecured Debt
- $45,031.00
- Debt to Income Ratio
- 62.00% Poor
- Accounts in Collections
- 0 Excellent
- Number of Open Active Accounts
- 31 Fair
- Number of Inquiries
- 1 Good
Here's your credit score, also known as YOUR FICO score.
- 637
- Poor
- Provided by:
-
- Reported:
- (not set)
- Date of Birth:
- Feb 17, 1967
- SSN:
- ***-**-9818
- Address:
- 6711 Prescott Dam
- City/State/ZIP
- San Antonio, Texas 78233
Explore your options
An affordable solution to reduce your debt
Compare the Debt Resolution Program to making minimum payments to your creditors.
Pay less each month
- Minimum Payments
-
$1,710.00 per month
- Debt Resolution Program
-
$800.92 per month
Reduce time to pay down your debt
- Minimum Payments
-
25 years
- Debt Resolution Program
-
4 years
Reduce what you owe
- Minimum Payments
-
$71,346.74 with interest
- Debt Resolution Program
-
$37,643.02 est. cost
Savings Summary
- Monthly Payment Savings
- $909.08
- Payoff Time Savings
- 21 years
- Total Cost Savings
- $33,703.72
How the program works
You can overcome debt using a 4-step debt settlement process
Deposit
Make your monthly deposits into an FDIC-insured account that you control
Negotiation
When enough funds accrue, negotiators work with your creditors to settle your debts for less than you owe.
Settlement
When an agreement is reached, the new terms will be sent to you for approval so payments to the creditor can be processed from your account.
Freedom
Once all the debts you enrolled in the program go through these three steps and are fully resolved, you graduate from the program and are free of the debt!
Future Loan Option*
Consistent Deposits
Make consistent deposits into your dedicated account for at least 6 months to be considered for this Loan Option*.
Qualification Review
Once you have a proven deposit history, your file will be reviewed to determine if you qualify a loan*.
Pay-off Remaining Debt
If you are approved for this option, your remaining enrolled debt will be paid off and you will make one fixed monthly payment towards your loan.
How to be successful in the program
Clients that are successful in the program follow these 7 easy steps. Following these steps will help you receive the lowest settlements possible and grant you the best chance of being approved for a loan as early as 6 months into the program.
- Stop using any credit cards that you have enrolled in the program.
- Stop making payments to your creditors. Instead, redirect your funds by depositing into your dedicated account.
- Make all your scheduled deposits into your dedicated account. This will give you the best chance of getting the lowest settlements possible.
- Authorize all settlements as soon as you receive notice in order to avoid breaking the agreement.
- Do not remove debts that are enrolled in your program. This hurts your chances of getting great settlements with your creditors.
- Remain current on your mortgage, car payments, and any other debts not enrolled.
- Deposit additional funds into your dedicated account to fast track your program!