In the credit report, there is only 1 Account with Adverse Information. On May 2021, there was a rating of 30 instead of OK, so it must have been when she was late paying. This account was closed in January 2021.
She had no loan.
She had an account closed in August 2023.
No, her account closed in August 2023 was opened in July 2022. Her oldest account is Discover opened in December 2018.
What I find strange is that for her United Explorer card that was denied (when I called instead of her), we never got a letter or an email saying that she was denied.
What is strange is that I just received an email saying that her Experian fico 8 went from 720 to 735. The problem is only with Transunion fico 8.