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From: "American Express MyCredit Guide" <noreply@notificationmycredit-guide.americanexpress.com>
To: <tjphuhs@gmail.com>
Subject: An account has been reported as past due
Date: Fri, 30 Jan 2026 06:02:55 -0600
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American Express MyCredit Guide

 We've detected a delinquent account report. Learn how it can affect your credit score and what you can do.

Credit Alert

A credit account has been reported as past due

Take action to help protect your FICO(R)* Score today

https://click.alerts-mail.csid.com/?qs=eyJkZWtJZCI6Ijk5ODE1NzZlLWIwM2YtNDUwNy1hZDliLWJmZWExYzE5ZGE2OCIsImRla1ZlcnNpb24iOjEsIml2IjoiVGpHNUxidU1uTENBQTduU1daMGpyZz09IiwiY2lwaGVyVGV4dCI6InZQdjRHVUVGMlE1eThUMXhzaUFrSWF0MkVSYit3STBmbDhIeUFQb0RyTWxqZUZ6SCtCekZPbER5K2F4QXptanM2bWNlY3JJQ3RRUCtnU0dWZXZHZldLZ2t4cjFCS0JoOHBNSVptU3BPTWJrdHU0eWNzSUFEdWRKWm5TT3UiLCJhdXRoVGFnIjoiOFo5WXFDVEd2VUVvR0h5a3dobVpLZz09In0%3D 
LOG IN 

 Dear TIMOTHY BOURDEAU II&#44;

Your credit file has been updated.

Change:Delinquent Account

Company:SYNCB/PPC 

Reported by:Experian

What this means:
One of your credit accounts has been reported as past due. This can lower your FICO(R) Score.

What you can do:
1. View details about this alert at MyCredit Guide
2. Pay your monthly minimum payment right away
3. Make a plan to make your minimum payment every month

What's next:
Pay at least your monthly minimum payment on all credit accounts to keep them in good standing.

https://click.alerts-mail.csid.com/?qs=eyJkZWtJZCI6IjYwMTg1MjNmLTE1OGYtNDZlNS05NzY5LThmMjI4NWVmZmRiNyIsImRla1ZlcnNpb24iOjEsIml2IjoiK3hXU1NpNDlrWklsdVprSDcycVJRQT09IiwiY2lwaGVyVGV4dCI6ImRmRmhRc1orclhtSER4aS92WWFYVm0vSnhaa0RkcWk4UXBTYWRLTEhsbTNOdTVQNkRVWlg5OWx1WGZ6dTFkSlEwL29yaFB1dTRieGJMcDVEMElCZWtwQTE5bGE0OEloVUZoekFQazc3RlpKS0xqMlJraVc1bVFmdmFwRkEiLCJhdXRoVGFnIjoiZ0Y2U2tEWDJWcmp3aUZRV0hNQStUZz09In0%3D 
VIEW ALERT 

 

 Have you seen the new MyCredit Guide?

 Take your first step toward greater financial
 awareness
with our improved experience.

 We've switched to FICO(r)* Score...

 Check out your FICO(r) Score and Experian(r) credit report for free without affecting your credit score.

 and our financial tools are better than ever.

 Maximize your credit knowledge and health with FICO(r) Score Ingredients, Score Planner, and Score Simulator.

https://click.alerts-mail.csid.com/?qs=eyJkZWtJZCI6IjQxOGJiZWMwLTlmZGItNDk1OC04ZjQ1LTQ1ZDE3NDRlYzEyNCIsImRla1ZlcnNpb24iOjEsIml2IjoiOGVrR2VHeCtKUTg5U3Ztb29pS2Ntdz09IiwiY2lwaGVyVGV4dCI6InFnRFhkbG5MN2JYRHhIN3ZleXozQWE4a1NIb1FGb2VPY1NGSDZydHdPVkUrTnFkRjJKd1JXb002dVR4QWFIUENDY1RxaWNMM2h4UWMxbS9ZM0t4SGxkSUNtL2tSM2Fzc3lqdHljT0R4NlFaNGJINGxEejFLK2FpaUlweWIiLCJhdXRoVGFnIjoickVlVjBnS2IrUkhkcXl6S08zSnc0QT09In0%3D 
Learn More 

 

https://click.alerts-mail.csid.com/?qs=eyJkZWtJZCI6IjMwYzRjODU5LTdjN2UtNGZmNi05OTUwLTczOTE3ZTQ1OGMyNiIsImRla1ZlcnNpb24iOjEsIml2IjoiVVdabEhWcDlyVkpQdmt5OW9GUFY1UT09IiwiY2lwaGVyVGV4dCI6ImR5VUIyVlhNWWNsN1ppK3BxaERHeHlVcmNPK0FubmN5M3ZEWkFvTy9JN1EyV0Y5ZjJkV2Y2Z3dvRWYxdlZvSktBVGFaKzVheUwzcTQwVkdNcG9uVWZXZ0hBZVpmeFdYeEF3SmJ3ZmRSWm1VZFduMnRVaysrVEwyZ1U5WGwiLCJhdXRoVGFnIjoiaWRSOWFBY0I1bC9GWmZFREFsdkI5dz09In0%3D 
Privacy Statement 

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Log Into
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 manage your MyCredit Guide alert and email preferences.
 

Please do not respond directly to this email.
 If you need
 further assistance with your MyCredit Guide account, please call our customer service
 representatives Monday - Friday,
 9am - 10pm ET, excluding holidays at 1-833-421-3385.

Credit information provided by Experian(r).

 FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
*Credit score calculated based on FICO(r) Score 8 model. Your lender or
 insurer may use a different FICO(r) Score than FICO(r) Score 8, or
 another type of credit score altogether. 
https://click.alerts-mail.csid.com/?qs=eyJkZWtJZCI6IjQ1OGRjNDhkLTlmNGEtNDA4Mi1hNGIyLTYwYjgzOTFmNzA0ZiIsImRla1ZlcnNpb24iOjEsIml2IjoiV0hGSnFxTXVocnVUN05vb08xSVZhQT09IiwiY2lwaGVyVGV4dCI6Iko1WlRES282N0kvV3hlWFhZL0ZFbFdqS0hYZHEvSG9aYVdSNmxyOTJQQ0hUYmpLbytQRzVzTGNqb3o4bkl5NVFueHBDdEhpbXgwTmZnRTlWU0pxanZRQ2VDWnZlQnFMRlNsaHhTYXFqTG9hN2sremFLRHRTRldnPSIsImF1dGhUYWciOiJnRTlWU0pxanZRQ2VDWnZlQnFMRlNnPT0ifQ%3D%3D 
Learn More .

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                                           We've detected a delinquent account report. Learn how it can affect your credit score and what you can do. </p>
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                                                                    <p class="keep-white" style="max-width: 400px;"> Credit Alert </p>
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                                                                    <p class="keep-white" style="max-width: 400px;"> <strong>A credit account has been reported as past due</strong> </p>
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                                                                    <p class="keep-white" style="max-width: 400px;"> Take action to help protect your FICO<sup>&reg;*</sup> Score today</p>
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                                        <strong>Dear TIMOTHY BOURDEAU II<span>&#44;</span></strong><br><br>Your credit file has been updated.</td>
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                                <tr>
                                    <td style="padding: 0;"><br /><table width="100%" border="0" cellpadding="0" cellspacing="0" style="width: 100%; max-width: 500px;margin: 20px auto 20px auto;"> <tr> <td align="center" style="border: 1px solid #cccccc; background:#F1F1F1;"> <table border="0"> <tr> <td height="30"></td> <td width="30"></td> <td height="30"></td> </tr> <tr> <td align="left" style="color: #00175a;font-family: Arial, sans-serif;font-size: 16px;line-height: 24px;padding: 0;margin-bottom: 8px;"><strong>Change:</strong></td> <td width="30"></td> <td align="left" style="color: #00175a;font-family: Arial, sans-serif;font-size: 16px;line-height: 24px;padding: 0;margin-bottom: 8px;">Delinquent Account</td> </tr> <tr> <td height="10"></td> <td width="30"></td> <td height="10"></td> </tr> <tr> <td align="left" style="color: #00175a;font-family: Arial, sans-serif;font-size: 16px;line-height: 24px;padding: 0;margin-bottom: 8px;"><strong>Company:</strong></td> 
<td width="30"></td> <td align="left" style="color: #00175a;font-family: Arial, sans-serif;font-size: 16px;line-height: 24px;padding: 0;margin-bottom: 8px;">SYNCB/PPC </td> </tr><tr> <td height="10"></td> <td width="30"></td> <td height="10"></td> </tr> <tr> <td align="left" style="color: #00175a;font-family: Arial, sans-serif;font-size: 16px;line-height: 24px;padding: 0;margin-bottom: 8px;"><strong>Reported by</strong>:</td> <td width="30"></td> <td align="left" style="color: #00175a;font-family: Arial, sans-serif;font-size: 16px;line-height: 24px;padding: 0;margin-bottom: 8px;">Experian
</td> </tr> <tr> <td height="10"></td> <td width="30"></td> <td height="10"></td> </tr></table> <br /> </td> </tr></table><br /></td>
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                                        id="msg1"><strong>What this means:</strong><br>One of your credit accounts has been reported as past due. This can lower your FICO<sup>&reg;</sup> Score.<br><br><strong>What you can do:</strong><br>1. View details about this alert at MyCredit Guide<br>2. Pay your monthly minimum payment right away<br>3. Make a plan to make your minimum payment every month<br><br><strong>What's next:</strong><br>Pay at least your monthly minimum payment on all credit accounts to keep them in good standing.</td>
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                    <p>Credit information provided by Experian<sup>&#174;</sup>.<br />
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