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Your credit account is current on all payments
Score 0.775
· Account tjphuhs@gmail.com
· 2/8/2026, 2:24:22 PM
Your credit account is current on all payments from noreply@notificationmycredit-guide.americanexpress.com on 2026-02-08T19:24:22.000Z American Express MyCredit Guide Great job keeping up with your credit card payments Payments on time Great work - your credit card account is current! View your credit progress https://click.alerts-mail.csid.com/?qs=eyJkZWtJZCI6ImNiZDRlNzZjLTUyMjYtNDBmNi1hOTAyLTc4NzFmNDg4NmMwZCIsImRla1ZlcnNpb24iOjEsIml2IjoibmJjcHZrcHBPUU8xMG9HbTloQWtqQT09IiwiY2lwaGVyVGV4dCI6IkZGb
An account has been reported as past due
Score 0.639
· Account tjphuhs@gmail.com
· 1/30/2026, 7:02:55 AM
An account has been reported as past due from noreply@notificationmycredit-guide.americanexpress.com on 2026-01-30T12:02:55.000Z 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=eyJkZWtJZCI6Ijk5ODE1NzZlLWIwM2YtNDUwNy1hZDliLWJmZWExYzE5ZGE2OCIsImRla1ZlcnNpb24
An account has been reported as past due
Score 0.639
· Account tjphuhs@gmail.com
· 2/7/2026, 9:24:34 AM
An account has been reported as past due from noreply@notificationmycredit-guide.americanexpress.com on 2026-02-07T14:24:34.000Z 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=eyJkZWtJZCI6ImYyYTc1MTA0LWFmZjItNDc2My04Yjk5LTM1OTE5YTZmZDFjNiIsImRla1ZlcnNpb24
Your payment is due
Score 0.634
· Account tjphuhs@gmail.com
· 2/15/2026, 2:10:47 PM
Your payment is due from paypalcreditcustomercare@mail.synchronybank.com on 2026-02-15T19:10:47.000Z Synchrony Alerts The payment on your PayPal Credit account is due on Feb 20, 2026.
Alert: Pending Default
Score 0.630
· Account tjphuhs@gmail.com
· 2/16/2026, 3:55:51 PM
Alert: Pending Default from servicing@s.upgrade.com on 2026-02-16T20:55:51.000Z Your Upgrade account now days past due. Upgrade 96 ( https://link.upgrade.com/f/a/OUShIFYJdee0Ye1Jma69EA~~/AAQRxRA~/8VJKIjou9PjuNMTMYC8ZEhemiyhQFXQsBNnbDSw6Q7KJoCaK8pZvMsvssbTvntz4eFSFtZ9uSK-OjcDxMX5pwqsxIePR1OcK_wuZ9Lp5QD8~ ) Hi Timothy, Your Upgrade account 320794403 is now 100 days past due in the amount of $3,183.56 and requires your immediate attention in order to avoid charge-off. Charged off accounts are repor
Information on your account
Score 0.628
· Account tjphuhs@gmail.com
· 4/11/2026, 4:11:14 PM
Information on your account from aaron@notify.trueaccord.com on 2026-04-11T20:11:14.000Z TrueAccord Timothy, lots of people are going through tough times. Timothy, are past-due bills keeping you up at night? You're not the only one. We understand that money can be tight. This is why we want to let you know about an affordable and convenient way to pay your past due balance of $231.71 with Klarna . We're happy to offer you an affordable repayment plan . It only takes a few minutes to get started,
If your payment isn’t made, it could be reported
Score 0.627
· Account tjphuhs@gmail.com
· 5/14/2026, 6:15:24 PM
If your payment isn’t made, it could be reported from affirm-billing@affirm.com on 2026-05-14T22:15:24.000Z Take action to prevent negative credit reporting It’s not too late to make your payment before it’s reported to the credit bureaus. When a late payment is reported, it could come with significant negative impacts to your credit report. It’s important that you make this payment immediately. Amazon $14.80 16 days overdue Your total overdue balance may be more than this payment. Affirm and yo
If your payment isn’t made, it could be reported
Score 0.625
· Account tjphuhs@gmail.com
· 3/19/2026, 4:58:46 PM
If your payment isn’t made, it could be reported from affirm-billing@affirm.com on 2026-03-19T20:58:46.000Z Take action to prevent negative credit reporting It’s not too late to make your payment before it’s reported to the credit bureaus. When a late payment is reported, it could come with significant negative impacts to your credit report. It’s important that you make this payment immediately. Amazon $28.04 15 days overdue Your total overdue balance may be more than this payment. Affirm and yo
If your payment isn’t made, it could be reported
Score 0.624
· Account tjphuhs@gmail.com
· 5/13/2026, 3:38:29 PM
If your payment isn’t made, it could be reported from affirm-billing@affirm.com on 2026-05-13T19:38:29.000Z Take action to prevent negative credit reporting It’s not too late to make your payment before it’s reported to the credit bureaus. When a late payment is reported, it could come with significant negative impacts to your credit report. It’s important that you make this payment immediately. Amazon $14.80 15 days overdue Your total overdue balance may be more than this payment. Affirm and yo
TIMOTHY BOURDEAU II, important credit reporting alert
Score 0.624
· Account tjphuhs@gmail.com
· 2/5/2026, 12:29:00 PM
TIMOTHY BOURDEAU II, important credit reporting alert from AmericanExpress@welcome.americanexpress.com on 2026-02-05T17:29:00.000Z are past due, or if a payment has been returned. Program Requirements In order to maintain all the benefits of the Program, you must comply with the Program Terms, which will be communicated to you at enrollment and which will include the requirements that: Monthly Program Payments for your American Express Card and/or Loan account(s) enrolled in the Program must be
Choose your payment amount! 🙌
Score 0.621
· Account tjphuhs@gmail.com
· 3/29/2026, 5:13:37 PM
Choose your payment amount! 🙌 from aaron@notify.trueaccord.com on 2026-03-29T21:13:37.000Z TrueAccord Pay what you can. Use our pay what you can option to lower this $231.71 balance. Timothy, Need another option to make progress on your Klarna account? Consider paying what you can. Choose a payment that fits your needs and lowers your balance due at the same time! Click the button below to get started. Select my payment This communication is from a debt collector. This is an attempt to collect
Your statement is ready
Score 0.620
· Account tjphuhs@gmail.com
· 3/28/2026, 7:13:17 PM
Your statement is ready from paypalcreditcustomercare@mail.synchronybank.com on 2026-03-28T23:13:17.000Z You have a new billing statement Hello, TIMOTHY BOURDEAU Your statement is ready Your new billing statement is ready for your PayPal Credit account. Your statement contains important account information. Make sure to review it in its entirety for notices of changes or updates to your account. --> View Statement Here are the details Statement balance $4,470.39 Minimum payment due $811.00 Payme
Get current on your late payment(s)
Score 0.618
· Account tjphuhs@gmail.com
· 5/14/2026, 6:15:24 PM
Get current on your late payment(s) from affirm-billing@affirm.com on 2026-05-14T22:15:24.000Z It’s time to resolve your account. Timothy, it's time to resolve your account Business Name: Simple peptide Payment Due
Your past due payment is still unresolved
Score 0.618
· Account tjphuhs@gmail.com
· 4/30/2026, 5:37:08 PM
Your past due payment is still unresolved from affirm-billing@affirm.com on 2026-04-30T21:37:08.000Z Make your outstanding payment(s) today. Timothy, it's time to get caught up on your Affirm payment Business Name:
Your statement is ready
Score 0.616
· Account tjphuhs@gmail.com
· 1/29/2026, 4:39:02 PM
Your statement is ready from paypalcreditcustomercare@mail.synchronybank.com on 2026-01-29T21:39:02.000Z You have a new billing statement Hello, TIMOTHY BOURDEAU Your statement is ready Your new billing statement is ready for your PayPal Credit account. Your statement contains important account information. Make sure to review it in its entirety for notices of changes or updates to your account. --> View Statement Here are the details Statement balance $4,158.26 Minimum payment due $459.00 Payme
Your account with Klarna
Score 0.612
· Account tjphuhs@gmail.com
· 4/17/2026, 6:01:44 PM
Your account with Klarna from isabel@email.trueaccord.com on 2026-04-17T22:01:44.000Z TrueAccord Let's get this resolved. Hi Timothy! This is TrueAccord Corp., reaching out about your balance with Klarna of $196.13. At TrueAccord Corp. we strive to make debt collection less daunting and more straightforward. TrueAccord Corp. uses digital communications (like this email) and online self-service payment plans to help our users resolve their debts. Click the button below to learn more and also sign
Choose your payment amount! 🙌
Score 0.612
· Account tjphuhs@gmail.com
· 5/9/2026, 12:49:42 PM
Choose your payment amount! 🙌 from melinda@hello.trueaccord.com on 2026-05-09T16:49:42.000Z Pay what you can. Use our pay what you can option to lower this $196.13 balance. Timothy, Need another option to make progress on your Klarna account? Consider paying what you can. Choose a payment that fits your needs and lowers your balance due at the same time! Click the button below to get started. Select my payment This communication is from a debt collector. This is an attempt to collect a debt and
Get current on your late payment(s)
Score 0.612
· Account tjphuhs@gmail.com
· 5/8/2026, 5:42:26 PM
Get current on your late payment(s) from affirm-billing@affirm.com on 2026-05-08T21:42:26.000Z It’s time to resolve your account. Timothy, it's time to resolve your account Business Name: Simple peptide Payment Due
Can’t afford to pay the full $231.71 amount right now? 🤷
Score 0.610
· Account tjphuhs@gmail.com
· 4/4/2026, 2:27:43 PM
Can’t afford to pay the full $231.71 amount right now? 🤷 from aaron@notify.trueaccord.com on 2026-04-04T18:27:43.000Z TrueAccord Pay what you can instead. Make a payment that you can afford. Hi Timothy, If you need a more affordable solution for your Klarna account, consider trying our pay what you can option. You can choose the amount that you pay to make progress on your balance due. Click below to get started. Pay what you can This communication is from a debt collector. This is an attempt t
Your payment is past due, Timothy
Score 0.609
· Account tjphuhs@gmail.com
· 3/27/2026, 5:11:49 PM
Your payment is past due, Timothy from affirm-billing@affirm.com on 2026-03-27T21:11:49.000Z It’s time to make your past-due payment Your payment for your Simple peptide purchase has been past due since Mar 18, 2026. Letting this payment linger can have some lasting consequences. Make your payment today. Simple peptide $28.93 9 days overdue Your total overdue balance may be more than this payment. Simplify your payments with AutoPay! Sign in to the Affirm app Select the purchase Tap “Set up Auto
Timothy, we offer online solutions for your Klarna account
Score 0.609
· Account tjphuhs@gmail.com
· 5/7/2026, 6:54:15 PM
Timothy, we offer online solutions for your Klarna account from melinda@hello.trueaccord.com on 2026-05-07T22:54:15.000Z You fell off your scheduled payments with Klarna Hi Timothy, There's a lot of reasons people can fall behind with payments. That's why we make it so easy to set up a personalized plan online , so you can pick up right where you left off! There are many different options to choose from for this $196.13 balance. TrueAccord makes it easy to manage your plan once it’s set up throu
Resolve your balance for $24.52 a month
Score 0.609
· Account tjphuhs@gmail.com
· 4/29/2026, 3:09:17 PM
Resolve your balance for $24.52 a month from melinda@hello.trueaccord.com on 2026-04-29T19:09:17.000Z Find out how. Sign up for a payment plan on our website. Timothy, you can resolve your balance of $196.13 with Klarna by signing up for a payment plan with us. Our payment plans can be customized to suit your needs, and are a convenient way to pay off your outstanding balance on your own terms. Select a payment plan that works for you. Select a plan Would you like to receive important text messa
Make Your Monthly Payment Today
Score 0.608
· Account tjphuhs@gmail.com
· 5/9/2026, 3:56:04 PM
Make Your Monthly Payment Today from servicing@s.upgrade.com on 2026-05-09T19:56:04.000Z This is a reminder that your account is past due Upgrade 96 ( https://link.upgrade.com/f/a/JIShuvGkLx9u8mun8fK0pg~~/AAQRxRA~/FWuTmwmQi_dkR7flUPPwddLIcA4kiQRW6LE8r8kmN51p_75kZfRuo4_8hmBN_8vMN0SFh-LptmDtML1hxtBpxQTIW8R1Blhgr72o4xv6_LS_MWg1icLHBjGBMYCw4tcIMIfxklPzgSBJPIAQjTs49SH6_SWbRWVAGjvNQ7wm7IHPVxh142RyUaYesYHWWAfQZShDPQGJ60C23cWnAxaGUQ~~ ) HiTimothy, This is a reminder that your account 320794403 is past d
Timothy Bourdeau II, your Klarna account summary is here.
Score 0.608
· Account tjphuhs@gmail.com
· 3/18/2026, 11:48:25 AM
Timothy Bourdeau II, your Klarna account summary is here. from susan@m.trueaccord.com on 2026-03-18T15:48:25.000Z TrueAccord Your account summary is available. This account has been placed with TrueAccord Corp. for collection. Continue to our website to view your summary. Your balance of $196.13 with Klarna is still outstanding, and once you view your summary you can view your payment options. View Summary This communication is from a debt collector. This is an attempt to collect a debt and any
Timothy Bourdeau II, your Klarna account summary is here.
Score 0.607
· Account tjphuhs@gmail.com
· 3/21/2026, 11:25:59 AM
Timothy Bourdeau II, your Klarna account summary is here. from aaron@empathy.trueaccord.com on 2026-03-21T15:25:59.000Z TrueAccord Your account summary is available. This account has been placed with TrueAccord Corp. for collection. Continue to our website to view your summary. Your balance of $231.71 with Klarna is still outstanding, and once you view your summary you can view your payment options. View Summary This communication is from a debt collector. This is an attempt to collect a debt an