Veruca Report 2017


She works hard for the money 
So hard for it, honey 
She works hard for the money 
So you better treat her right

She Works Hard for the Money - Donna Summer


Major Credit Cards:

BankAmericard Cash Rewards VISA
Credit Limit: $15,000
Opened 8/11
Current Balance: $484.98
APR: 17.99%
Annual Fee: $39


Fairwinds Credit Union Platinum Rewards VISA
Credit Limit: $5,000
Opened 3/12
Current Balance: $0
APR: 18.00


Chase Amazon Prime Rewards VISA
Credit Limit: $7,000
Opened: 6/12
Current Balance: $290.15
APR: 22.24%


DISCOVER More Card
Credit Limit: $17,200
Opened: 9/12
Current Balance: $0
APR: 23.99%

Citi Simplicity VISA
Credit Limit: $7,300
Opened 12/12
Current Balance: $0
APR: 17.99%(0% Promo rate active until 8/18)


Citi Double Cash Rewards MASTERCARD
Credit Limit: $7,200
Opened: 11/14
Current Balance: $0
APR: 19.99%



First National Bank of Omaha AMERICAN EXPRESS
Credit limit: $5,500
Opened 12/12
Current Balance: $0
APR: 16.74%

Barclay Bank Choice Privileges VISA
Credit Limit: $15,000
Opened: 2/14
Current Balance: $0
APR: 20.99%



AMERICAN EXPRESS Blue Cash Preferred
Credit Limit: $15,000
Opened: 10/15
Current Balance: $737.31
APR: 13.99%
Annual Fee: $95
Walmart MASTERCARD
Credit Limit: $8,000
Opened: 10/15 as MC
Current Balance: $79.15
APR: 23.15%




Merchant Lines of Credit:

Dell Financial Services
Credit Limit: $3,000
Opened 11/11
Current Balance: $0
APR: 0% if paid in 12 months.




Credit Utilization:

Total Credit Line: $105,200
Total Credit Debt: $1,591.59
Credit Utilization: 1.5%

Credit Scores:

TU FICO: 724, EQ FICO 732, EX FICO 735 (AMEX EX FICO says 715),
Credit Karma: TU: 797, EQ: 807

Assets:

2013 Chevrolet Spark, 19,284 miles, Cond. Very Good
Kelley Blue Book Trade-In Value: $5,000

Investments:

OneAmerica 403b: $32,553.26

Savings:

Discover Bank @ 1.2% APY: $4,696.93