Anita Lopez speaks during an acclamation assemblage at Aurora Gonzalez Community Center.
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Toledo mayoral hopeful Anita Lopez — the top Lucas Canton official answerable with assessing acreage ethics — has the everyman acclaim anniversary and the accomplished debt amid the above candidates active for the city’s top appointment this year, and she is the alone one whose seven-year acclaim address is riddled with backward bill-paying.
Ms. Lopez, a Democrat, fabricated her affairs accessible Thursday, three canicule afterwards Councilman D. Michael Collins and Mayor Mike Bell and a day afterwards Democratic Councilman Joe McNamara arise contempo acclaim scores, acclaim reports, and tax returns.
Her acclaim anniversary is 621 according to Experian, 631 according to TransUnion, and 635 according to Equifax, which are three accepted credit-reporting companies. Ms. Lopez, the Lucas Canton auditor, beneath an anniversary appeal Thursday. Her acclaim anniversary is advised “fair.”
Ms. Lopez’s acclaim address said she has up to 13 “open accounts,” 11 of which accept balances accretion $261,432. Equifax said she has 14 abrogating accounts; TransUnion listed 17 abrogating accounts, and Experian said there were eight abrogating accounts.
“Most lenders would accede you to be a aerial risk,” the acclaim address said. “You may accept adversity condoning for accepted loans and acclaim cards — and back you do authorize for credit, you will be answerable aerial absorption rates.”
Her absolute credit-card debt appeared to be about $10,000, according to the report.
Ms. Lopez owes amid $116,868 and $118,1157 for her home mortgage, according to her acclaim report. The mortgage payments were arise 30 canicule accomplished due three times: in February, 2012, February, 2011, and December, 2010.
She has an accessible accommodation with Toledo Metro Federal Acclaim Abutment for her vehicle, for which she owes about $34,060 and has a $831 anniversary acquittal for a Jeep Commander. She had a agent repossessed, but that birthmark does not arise on her acclaim address because it was added than seven years ago, Lopez attack agent Diane May said.
Ms. Lopez additionally owes money for apprentice loans from her time at University of Toledo’s undergraduate and law schools. She accelerating from law academy in 1997, three years afterwards she accustomed her available of arts amount in political science from UT. The loans are disconnected into four accounts with balances of $13,386, $41,283, $23,540, and $21,899 for a absolute of $100,108. The apprentice accommodation accounts were 60 canicule accomplished due seven times, and 30 canicule accomplished due twice.
Her revolving accounts — those with a acclaim absolute and crave a minimum acquittal every ages like a acclaim agenda — included backward payments.
A “CAP1/BSTBY” account, which appeared to be a acclaim agenda opened in 2005,” has a $2,586 balance. It was arise behind in February, 2011, and August, 2010.
A Basic One anniversary opened in 1998 had a $2,327 antithesis and was arise behind in September, 2011, and October, 2011.
Her accessible accounts additionally include:
● A “Capital One/Furniture Row” anniversary opened in March, 2009. It has a $2,542 antithesis and was arise behind in June, 2011.
● A “HSBC Furniture Row” anniversary has a aught balance. It was arise behind in July, 2011.
● A “Kohls/Capital One” anniversary has a $808 antithesis and was behind in February, 2012, October, 2011, and June, 2011.
● A “THD/CBNA” anniversary with a $844 antithesis was 30 canicule behind seven times according to Equifax and Experian.
A bankrupt anniversary with “Ally Financial” had a aught antithesis but showed four payments that were 30 canicule accomplished due.
Another anniversary listed as “BONY/ELT/ELABTI/GLHEC,” has a aught antithesis and was arise one time as accomplished due 90 days.
A bankrupt anniversary with “TD Auto Finance” was arise alert as delinquent, 30 canicule each.
Her bankrupt accounts included a Fifth Third Bank acclaim agenda that was backward in February; a Bank of America anniversary that was arise behind twice, and an American Express agenda that was arise 90 canicule accomplished due 16 times over the accomplished seven years by Experian, but was not arise backward by the added two companies.
By allegory to Ms. Lopez’s acclaim anniversary of 621, Mr. McNamara’s acclaim anniversary is 747, advised “very good” on the FICO ambit that goes from 300 to 850. He acquired the anniversary from TransUnion while Ms. Lopez acclimated Equifax to get all three scores.
Mr. Collins and Mr. Bell, both independents, acquired acclaim array beneath the “VantageScore” model, which is the name of a credit-rating artefact offered by the three above acclaim bureaus — Equifax, Experian, and TransUnion.
The top VantageScore is 990. Multiplying a VantageScore by 0.86 translates it into an about FICO score. Mr. Collins’ acclaim address showed a 916 anniversary and Mr. Bell’s was 927. Translated to the FICO model, Mr. Collins would accept a 787 anniversary and Mr. Bell would accept a 797 score.
The added candidates would not animadversion on Ms. Lopez’s finances.
Mr. Collins, who was aboriginal to arise his acclaim address and tax returns, followed several hours after by Mayor Bell, said it was not his ambition to actualize such a “compelling situation” for the others. “I did it because I acquainted it was important that I authentic my position on accuracy by actuality cellophane myself,” Mr. Collins said. “I anticipate this is in all candor analytical to the voters. I am admiring that the added three candidates accept all followed my path.”
Mayor Mike Bell, through a spokesman, beneath to animadversion on Ms. Lopez’s banking information. Andrew Grunwald, Mr. McNamara’s attack manager, instead attacked Ms. Lopez for abutment affairs adjourned beneath Ms. Lopez. “The absolute affair is that Lopez is the alone canton baby-kisser to accord raises at a time back cipher abroad is,” he said. “It’s a assurance of budgetary responsibility, of how you are activity to amusement the taxpayers money, or in Lopez’s case, the abridgement of her budgetary responsibility.”
He additionally would not animadversion on her claimed banking information.
Ms. Lopez filed an addendum for her 2012 tax returns. Her 2011 tax abstracts showed $79,127 in bacon from her adopted job as Lucas Canton accountant and $7,000 in keep for a absolute of $86,127. She listed $2,113 in accommodating donations.
Mr. McNamara, a advocate who collects up to a $27,500 anniversary board salary, did not absolution his 2012 tax allotment back he too filed an extension. His 2011 tax allotment showed $35,375 in absolute income. Of that $24,091 was from accomplishment and salary, $13,721 was from accustomed dividends, and $448 was from taxable refunds, credits, or offsets of accompaniment and bounded taxes. Mr. McNamara arise a $1,646 business assets accident and $1,500 basic accretion loss. He did not catalog accommodating donations.
According to their collective 2012 federal tax return, Mr. Collins and his wife — Sandra Drabik, who is retired from the University of Toledo — fabricated a accumulated $205,244 aftermost year. That includes Ms. Drabik’s retirement allowances and $5,168 from Social Security allowances calm by Mr. Collins. His 2012 assets included $42,247 from his alimony from about three decades as a Toledo badge officer, $23,797 from his Toledo City Board salary, and $1,783 from Lourdes University. He gave $4,791 in accommodating donations aftermost year, the abstracts show.
Mayor Bell’s 2012 federal tax acknowledgment showed $108,481 in salary; $31 from taxable interest; $541 from taxable refunds, credits, or offsets of accompaniment and bounded assets taxes, and $69,395 from pensions and annuities. He gave $8,584 in accommodating donations aftermost year, the abstracts stated.
Staff biographer Nolan Rosenkrans contributed to this report.
Contact Ignazio Messina at:
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