PERSON NAME: SONE, MARLA Y

PERSON SSN : 165-04-7547

FIRST NAME : SONE
LAST NAME : MARLA Y
PERSON DOB : 11/15/55
PERSON ADRESS: 535 BUCKINGHAM ROAD#3207, RICHARDSON, TX 75081
PERSON SCORE: 809
1009036179 MTG 10/10 $0 76 0 0 0
12/16 $0 XP/TU
01/17:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST;

B B PENTAGON FEDERAL CR UN060 12/16 $24322 PAID

2847250 MTG 12/11 $0 62 0 0 0
12/16 $0 XP/TU
12/16:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: HOME EQUITY;

B B SYNCB/BELK 12/10 $124 PAID

604583****** REV 10/08 $0 26 0 0 0
11/08 $0 XP
12/10: -CCCCCCCCCCCCCCCCCCCCCCCCC

B B SYNCB/JCP 02/12 $0 PAID

600889****** REV 01/07 $0 62 0 0 0
10/07 $0 XP
02/12:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

J B SYNCB/JCP DC 04/17 $500 PAID

546680****** REV 09/04 $0 82 0 0 0
06/13 $0 XP/TU
04/17:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER;

B B SYNCB/TJXDC 09/17 $3600 PAID

524366****** REV 02/17 $0 07 0 0 0
05/17 $0 XP/TU
09/17: -CCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER;

Page: 4/9
-------------------------------------------------------------------
APPLICANT:SONE, MARLA Y
SSN :455-04-7547
ADDRESS :535 BUCKINGHAM ROAD#3207, RICHARDSON, TX 75081
-------------------------------------------------------------------
A B THD/CBNA 10/10 $2501 PAID
603532****** REV 04/08 $0 30 0 0 0
05/08 $0 XP
10/10: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; AUTHORIZED USER;

J B USAA SVG BK 06/17 $26100 PAID

427082****** REV 10/88 $0 82 0 0 0
01/17 $0 XP/TU
06/17:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER;

B B WFDILLARDS 11/14 $1024 PAID

377717****** REV 07/08 $0 76 0 0 0
08/11 $0 XP/TU
11/14:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER;

-------------------------------------------------------------------
O T H E R C R E D I T H I S T O R Y
-------------------------------------------------------------------
*** NO RECORD FOUND ***

-------------------------------------------------------------------
A L I A S V A R I A T I O N S
-------------------------------------------------------------------
MARLA Y SONE 455047547 DOB: 11/15/55
MARLA YETIVE EATON 455047547 DOB: N/A
MARLA Y SONE
EATON,MARLA,Y
DOB: 11/15/55

-------------------------------------------------------------------
I N Q U I R I E S ( L A S T 1 2 0 D A Y S )
-------------------------------------------------------------------
XP 04/13/19 CREDCO FINANCE
TU 04/13/19 USAA TR5 FINANCE

-------------------------------------------------------------------
A D D R E S S V A R I A T I O N S
-------------------------------------------------------------------
240 BOLTON DR, AUSTIN, TX 78737-4528 03/08
240 BOLTON DR, AUSTIN, TX 78737-4528 04/08 - 04/16
809 LA PRADA DR APT 245, GARLAND, TX 75043-5378 09/16
- 02/17
809 LA PRADA DR #245, GARLAND, TX 75043-5378 09/16
535 BUCKINGHAM RD APT 3207, RICHARDSON, TX 75081-5180
05/17 - 07/18
 535 BUCKINGHAM RD #3207, RICHARDSON, TX 75081-5180
Page: 5/9
-------------------------------------------------------------------
APPLICANT:SONE, MARLA Y
SSN :455-04-7547
ADDRESS :535 BUCKINGHAM ROAD#3207, RICHARDSON, TX 75081
-------------------------------------------------------------------
07/17

-------------------------------------------------------------------
E M P L O Y M E N T V A R I A T I O N S
-------------------------------------------------------------------
OBERON INTERNATIONAL//IRVING TX

-------------------------------------------------------------------
R E M A R K S
-------------------------------------------------------------------
EQUIFAX REMARK: CONSUMER REQUESTED SECURITY FREEZE ON HIS/HER
CREDIT FILE - REPORT UNAVAILABLE

-------------------------------------------------------------------
A L E R T
-------------------------------------------------------------------
MARLA Y SONE YOB: 1955
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED

-------------------------------------------------------------------
T U I D V I S I O N A L E R T
-------------------------------------------------------------------
SONE, MARLA Y 455-04-7547
REMARK: AVAILABLE AND CLEAR

-------------------------------------------------------------------
C R E D I T O R S
-------------------------------------------------------------------
- AMEX [XP/TU] 800-528-4800
TAPE - P O BOX 7871,FORT LAUDERDALE, FL 33329
- CAP1/NEIMN [XP/TU] 800-685-6695
26525 N RIVERWOODS BLVD,METTAWA, IL 60045
- CAP1/SAKS [XP/TU] 800-221-8340
3455 HIGHWAY 80 W,JACKSON, MS 39209
- CCB/SMILEG [TU] 877-287-8879
PO BOX 182120,COLUMBUS, OH 43218
- CITI [XP/TU] 855-378-6467
PO BOX 6190,SIOUX FALLS, SD 57117
- CITIMORTGAGE INC [XP/TU] 800-283-7918
15851 CLAYTON RD,BALDWIN, MO 63011
- CREDCO [XP/TU] 800-637-2422
12395 FIRST AMERICAN WAY,POWAY, CA 92064
- Credit Plus [TU] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- DSNB MACYS [TU] 800-956-6229
PO BOX 8218,MASON, OH 45040
- kohls/capone [XP] 800-564-5740
,
- KOHLS/CAPONE [MANUAL] 800-564-5740
,
- MBGA/JC PENNEY [XP] 800-542-0800
PO BOX 981131,EL PASO TX 79998
Page: 6/9
-------------------------------------------------------------------
APPLICANT:SONE, MARLA Y
SSN :455-04-7547
ADDRESS :535 BUCKINGHAM ROAD#3207, RICHARDSON, TX 75081
-------------------------------------------------------------------
- MCYDSNB [XP] 800-956-6229
,
- NEBRASKA FURNITURE MAR [XP] 402-397-6100
700 S 72ND ST,OMAHA, NE 68114
- NEBRSKA FURN [TU] 402-397-6100
PO BOX 3456,OMAHA, NE 68103
- PENTAGON FCU [TU] 800-247-5626
1001 N. FAIRFAX,ALEXANDRIA VA 22314
- PENTAGON FEDERAL CR UN [XP] 800-247-5626
1001 N FAIRFAX ST,ALEXANDRIA, VA 22314
- PENTAGON FEDERAL CR UNseenote [XP] 800-247-5626
PO BOX 1432,ALEXANDRIA, VA 22313
- SYNCB/BELK [XP] 800-669-6550
PO BOX 965028,ORLANDO, FL 32896
- SYNCB/JC PENNEY DC [XP/TU] 866-227-5213
PO BOX 965007,ORLANDO, FL 32896
- SYNCB/TJX COS DC [XP] 800-982-6879
PO BOX 965005,ORLANDO, FL 32896
- SYNCB/TJXDC [TU] 800-926-6299
PO BOX 965015,ORLANDO, FL 32896
- THD/CBSD [XP] 866-875-5488
PO BOX 9714 (home depot),GRAY TN 37615
- USAA SAVINGS BANK [XP] 800-922-9092
PO BOX 47504,SAN ANTONIO, TX 78265
- USAA SVG BK [TU]
10750 MC DERMOTT FWY,SAN ANTONIO, TX 78288
- WFDILLARDS [XP/TU] 800-642-4720
PO BOX 14517,DES MOINES, IA 50306
- WFNNB/VICTORIAS SECRET [XP/TU] 800-695-9478
PO BOX 182128,COLUMBUS OH 43218

-------------------------------------------------------------------
T R A D E S U M M A R Y
-------------------------------------------------------------------
# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 3 0 0 0 0
AUTO 0 0 0 0 0
EDUCATION 0 0 0 0 0
OTHER INSTALLM 0 0 0 0 0
OPEN 0 0 0 0 0
REVOLVING 21 278 61800 50 0
OTHER 0 0 0 0 0
TOTAL 24 278 61800 50 0

SECURED DEBT 0 HIGH CREDIT 61800

UNSECURED DEBT 278 REV CREDIT UTILIZATION 0%
OLDEST TRADE 10/88 TOTAL DEBT/HIGH CREDIT 0%

-------------------------------------------------------------------
D E R O G A T O R Y S U M M A R Y
-------------------------------------------------------------------
Page: 7/9
-------------------------------------------------------------------
APPLICANT:SONE, MARLA Y
SSN :455-04-7547
ADDRESS :535 BUCKINGHAM ROAD#3207, RICHARDSON, TX 75081
-------------------------------------------------------------------
CHARGE OFFS 0 30 DAYS 0 INQUIRIES 2
COLLECTIONS 0 60 DAYS 0 DISPUTES 0
BANKRUPTCY 0 90 DAYS 0
PUBLIC RECORDS 0 OTHER 0

-------------------------------------------------------------------
S O U R C E O F I N F O R M A T I O N
-------------------------------------------------------------------
1 - EXPERIAN
MARLA Y SONE 455047547 DOB: 11/15/55
MARLA YETIVE EATON 455047547 DOB: N/A
455-04-7547
535 BUCKINGHAM RD APT 3207, RICHARDSON, TX 75081-5180
05/17 - 07/18
809 LA PRADA DR APT 245, GARLAND, TX 75043-5378 09/16
- 02/17
240 BOLTON DR, AUSTIN, TX 78737-4528 04/08 - 04/16
OBERON INTERNATIONAL//IRVING TX

2 - TRANSUNION
MARLA Y SONE
EATON,MARLA,Y
DOB: 11/15/55
455-04-7547
535 BUCKINGHAM RD #3207, RICHARDSON, TX 75081-5180
07/17
809 LA PRADA DR #245, GARLAND, TX 75043-5378 09/16
240 BOLTON DR, AUSTIN, TX 78737-4528 03/08

3 - EQUIFAX
*** NONE ***

-------------------------------------------------------------------
M I S C E L L A N E O U S I N F O R M A T I O N
-------------------------------------------------------------------
Instant View Password: AV-1993922A
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 48078752 and password AV-1993922A to view the
report. For any inquiries regarding this report or services
provided by CREDIT PLUS 2 please contact us at (800) 258-3488.

-------------------------------------------------------------------
D I S C L A I M E R
-------------------------------------------------------------------

An asterisk (*) following the payment amount indicates the

repositories have no payment data and that the amount was
automatically calculated as a percentage of the account balance.

This is a report containing information supplied by the

repositories listed above. The merge process is automated and the
report may include some duplications and/or omissions. Inquiries
Page: 8/9
-------------------------------------------------------------------
APPLICANT:SONE, MARLA Y
SSN :455-04-7547
ADDRESS :535 BUCKINGHAM ROAD#3207, RICHARDSON, TX 75081
-------------------------------------------------------------------
regarding any disputed items should be directed to the creditor
reporting the item, or to the appropriate repository service
center(s) listed below.

TRANS UNION EQUIFAX EXPERIAN

PO BOX 1000 PO BOX 740256 PO BOX 2002
CHESTER,PA 19016 ATLANTA,GA 30374 ALLEN,TX 75013
800-916-8800 800-685-1111 888-397-3742
transunion.com/myoptions www.experian.com/reportaccess
www.equifax.com/fcra

-------------------------------------------------------------------
T R E N D S U M M A R Y
-------------------------------------------------------------------

*** END OF REPORT 4/29/2019 11:04:59 AM ***

Page: 9/9
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

CORNERSTONE HOME LENDING INC - 140 REPORT #: 48078752

8401 NORTH EXPY STE 250 REFERENCE #: 1400016328
DALLAS, TX 75225
2143505055

RETURN SERVICE REQUESTED

MARLA Y SONE
535 BUCKINGHAM ROAD#3207
RICHARDSON, TX 75081
=================================================================
YOUR CREDIT SCORE - 839
Source: EXPERIAN Date: 04/29/19
Model: EXPERIAN/FAIR, ISAAC (VER. 2)

=================================================================
UNDERSTANDING YOUR CREDIT SCORE
-----------------------------------------------------------------
What you should know about credit scores:
-----------------------------------------------------------------
Your credit score is a number that reflects the information in
your credit report.

Your credit report is a record of your credit history. It

includes information about whether you pay your bills on time and
how much you owe to creditors.

Your credit score can change, depending on how your credit

history changes.

-----------------------------------------------------------------
How we use your credit score:
-----------------------------------------------------------------
Your credit score can affect whether you can get a loan and how
much you will have to pay for that loan.

-----------------------------------------------------------------
The range of scores:
-----------------------------------------------------------------
Scores range from a low of 300 to a high of 850.

Generally, the higher your score, the more likely you are to be
offered better credit terms.

-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 99 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* AMOUNT OWED ON ACCOUNTS IS TOO HIGH

=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
Page: 1/9
What if there are mistakes in your credit report?
-----------------------------------------------------------------
You have a right to dispute any inaccurate information in your
credit report. If you find mistakes on your credit report,
contact the consumer reporting agency.

It is a good idea to check your credit report to make sure the

information it contains is accurate.

-----------------------------------------------------------------
How can you obtain a copy of your credit report?
-----------------------------------------------------------------
Under federal law, you have the right to obtain a free copy of
your credit report from each of the nationwide consumer reporting
agencies once a year.

To order your free annual credit report:

* BY TELEPHONE: Call toll-free: 1-877-322-8228

* ON THE WEB: Visit www.annualcreditreport.com

* BY MAIL: Mail your completed Annual Credit Report Request Form

(which you can obtain from the Federal Trade Commission's web
site at
http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to:

Annual Credit Report Request Service

P.O. Box 105281
Atlanta, GA 30348-5281

-----------------------------------------------------------------
How can you get more information?
-----------------------------------------------------------------
For more information about credit reports and your rights under
Federal law, visit the Consumer Financial Protection Bureau's web
site at www.consumerfinance.gov/learnmore.
Page: 2/9
 NOTICE TO THE HOME LOAN APPLICANT

In connection with your application for a home loan, the lender

must disclose to you the score that a consumer reporting agency
distributed to users and the lender used in connection with your
home loan, and the key factors affecting your credit scores.

The credit score is a computer generated summary calculated at

the time of the request and based on information that a consumer
reporting agency or lender has on file. The scores are based on
data about your credit history and payment patterns. Credit
scores are important because they are used to assist the lender
in determining whether you will obtain a loan. They may also be
used to determine what interest rate you may be offered on the
mortgage. Credit scores can change over time, depending on your
conduct, how your credit history and payment patterns change, and
how credit scoring technologies change.

Because the score is based on information in your credit history,

it is very important that you review the credit-related
information that is being furnished to make sure it is accurate.
Credit records may vary from one company to another.

If you have questions about your credit score or the credit

information that is furnished to you, contact the consumer
reporting agency at the address and telephone number provided
with this notice, or contact the lender, if the lender developed
or generated the credit score. The consumer reporting agency
plays no part in the decision to take any action on the loan
application and is unable to provide you with specific reasons
for the decision on a loan application.

If you have questions concerning the terms of the loan, contact

the lender.

------------------------------------------------------------------
-----------------
Signature
Date
Page: 3/9
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

CORNERSTONE HOME LENDING INC - 140 REPORT #: 48078752

8401 NORTH EXPY STE 250 REFERENCE #: 1400016328
DALLAS, TX 75225
2143505055

RETURN SERVICE REQUESTED

MARLA Y SONE
535 BUCKINGHAM ROAD#3207
RICHARDSON, TX 75081
=================================================================
YOUR CREDIT SCORE - 809
Source: TRANS UNION Date: 04/29/19
Model: TRANSUNION/FICO CLASSIC (04)

=================================================================
UNDERSTANDING YOUR CREDIT SCORE
-----------------------------------------------------------------
What you should know about credit scores:
-----------------------------------------------------------------
Your credit score is a number that reflects the information in
your credit report.

Your credit report is a record of your credit history. It

includes information about whether you pay your bills on time and
how much you owe to creditors.

Your credit score can change, depending on how your credit

history changes.

-----------------------------------------------------------------
How we use your credit score:
-----------------------------------------------------------------
Your credit score can affect whether you can get a loan and how
much you will have to pay for that loan.

-----------------------------------------------------------------
The range of scores:
-----------------------------------------------------------------
Scores range from a low of 309 to a high of 839.

Generally, the higher your score, the more likely you are to be
offered better credit terms.

-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 92 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* LACK OF RECENT INSTALLMENT LOAN INFORMATION
* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

=================================================================
CHECKING YOUR CREDIT REPORT
Page: 4/9
-----------------------------------------------------------------
What if there are mistakes in your credit report?
-----------------------------------------------------------------
You have a right to dispute any inaccurate information in your
credit report. If you find mistakes on your credit report,
contact the consumer reporting agency.

It is a good idea to check your credit report to make sure the

information it contains is accurate.

-----------------------------------------------------------------
How can you obtain a copy of your credit report?
-----------------------------------------------------------------
Under federal law, you have the right to obtain a free copy of
your credit report from each of the nationwide consumer reporting
agencies once a year.

To order your free annual credit report:

* BY TELEPHONE: Call toll-free: 1-877-322-8228

* ON THE WEB: Visit www.annualcreditreport.com

* BY MAIL: Mail your completed Annual Credit Report Request Form

(which you can obtain from the Federal Trade Commission's web
site at
http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to:

Annual Credit Report Request Service

P.O. Box 105281
Atlanta, GA 30348-5281

-----------------------------------------------------------------
How can you get more information?
-----------------------------------------------------------------
For more information about credit reports and your rights under
Federal law, visit the Consumer Financial Protection Bureau's web
site at www.consumerfinance.gov/learnmore.
Page: 5/9
 NOTICE TO THE HOME LOAN APPLICANT

In connection with your application for a home loan, the lender

must disclose to you the score that a consumer reporting agency
distributed to users and the lender used in connection with your
home loan, and the key factors affecting your credit scores.

The credit score is a computer generated summary calculated at

the time of the request and based on information that a consumer
reporting agency or lender has on file. The scores are based on
data about your credit history and payment patterns. Credit
scores are important because they are used to assist the lender
in determining whether you will obtain a loan. They may also be
used to determine what interest rate you may be offered on the
mortgage. Credit scores can change over time, depending on your
conduct, how your credit history and payment patterns change, and
how credit scoring technologies change.

Because the score is based on information in your credit history,

it is very important that you review the credit-related
information that is being furnished to make sure it is accurate.
Credit records may vary from one company to another.

If you have questions about your credit score or the credit

information that is furnished to you, contact the consumer
reporting agency at the address and telephone number provided
with this notice, or contact the lender, if the lender developed
or generated the credit score. The consumer reporting agency
plays no part in the decision to take any action on the loan
application and is unable to provide you with specific reasons
for the decision on a loan application.

If you have questions concerning the terms of the loan, contact

the lender.

------------------------------------------------------------------
-----------------
Signature
Date
Page: 6/9
 CREDIT SCORES AND THE PRICE YOU PAY FOR CREDIT

CORNERSTONE HOME LENDING INC - 140 REPORT #: 48078752

8401 NORTH EXPY STE 250 REFERENCE #: 1400016328
DALLAS, TX 75225
2143505055

RETURN SERVICE REQUESTED

MARLA Y SONE
535 BUCKINGHAM ROAD#3207
RICHARDSON, TX 75081
=================================================================
YOUR CREDIT SCORE
-----------------------------------------------------------------
Your credit score is not available from EQUIFAX, which is a
consumer reporting agency, because they may not have enough
information about your credit history to calculate a score.
(Date: N/A)

-----------------------------------------------------------------
What you should know about credit scores
-----------------------------------------------------------------
A credit score is a number that reflects the information in a
credit report.

A credit report is a record of a consumer's credit history. It

includes information about whether bills are paid on time and how
much is owed to creditors.

A credit score can change, depending on how a consumer's credit

history changes.

-----------------------------------------------------------------
Why credit scores are important
-----------------------------------------------------------------
Credit scores are important because consumers who have higher
credit scores generally will get more favorable credit terms.

Not having a credit score can affect whether you can get a loan
and how much you will have to pay for that loan.

=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
What if there are mistakes in your credit report?
-----------------------------------------------------------------
You have a right to dispute any inaccurate information in your
credit report. If you find mistakes on your credit report,
contact the consumer reporting agency.

It is a good idea to check your credit report to make sure the

information it contains is accurate.

-----------------------------------------------------------------
How can you obtain a copy of your credit report?
-----------------------------------------------------------------
Under federal law, you have the right to obtain a free copy of
your credit report from each of the nationwide consumer reporting
Page: 7/9
agencies once a year.

To order your free annual credit report:

* BY TELEPHONE: Call toll-free: 1-877-322-8228

* ON THE WEB: Visit www.annualcreditreport.com

* BY MAIL: Mail your completed Annual Credit Report Request Form

(which you can obtain from the Federal Trade Commission's web
site at
http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to:

Annual Credit Report Request Service

P.O. Box 105281
Atlanta, GA 30348-5281

-----------------------------------------------------------------
How can you get more information?
-----------------------------------------------------------------
For more information about credit reports and your rights under
Federal law, visit the Consumer Financial Protection Bureau's web
site at www.consumerfinance.gov/learnmore.
Page: 8/9
 NOTICE TO THE HOME LOAN APPLICANT

In connection with your application for a home loan, the lender

must disclose to you the score that a consumer reporting agency
distributed to users and the lender used in connection with your
home loan, and the key factors affecting your credit scores.

The credit score is a computer generated summary calculated at

the time of the request and based on information that a consumer
reporting agency or lender has on file. The scores are based on
data about your credit history and payment patterns. Credit
scores are important because they are used to assist the lender
in determining whether you will obtain a loan. They may also be
used to determine what interest rate you may be offered on the
mortgage. Credit scores can change over time, depending on your
conduct, how your credit history and payment patterns change, and
how credit scoring technologies change.

Because the score is based on information in your credit history,

it is very important that you review the credit-related
information that is being furnished to make sure it is accurate.
Credit records may vary from one company to another.

If you have questions about your credit score or the credit

information that is furnished to you, contact the consumer
reporting agency at the address and telephone number provided
with this notice, or contact the lender, if the lender developed
or generated the credit score. The consumer reporting agency
plays no part in the decision to take any action on the loan
application and is unable to provide you with specific reasons
for the decision on a loan application.

If you have questions concerning the terms of the loan, contact

the lender.

------------------------------------------------------------------
-----------------
Signature
Date
Page: 9/9
CORNERSTONE HOME LENDING INC - 140
8401 NORTH EXPY STE 250
DALLAS, TX 75225
2143505055

NOTICE TO THE HOME LOAN APPLICANT

CREDIT SCORE INFORMATION DISCLOSURE

SONE, MARLA Y
535 BUCKINGHAM ROAD#3207
RICHARDSON, TX 75081

In connection with your application for a home loan, the lender

must disclose to you the score that a consumer reporting agency
distributed to users and the lender used in connection with your
home loan, and the key factors affecting your credit scores.

The credit score is a computer generated summary calculated at the

time of the request and based on information that a consumer
reporting agency or lender has on file. The scores are based on
data about your credit history and payment patterns. Credit scores
are important because they are used to assist the lender in
determining whether you will obtain a loan. They may also be used
to determine what interest rate you may be offered on the mortgage.
Credit scores can change over time, depending on your conduct, how
your credit history and payment patterns change, and how credit
scoring technologies change.

Because the score is based on information in your credit history,

it is very important that you review the credit-related information
that is being furnished to make sure it is accurate. Credit records
may vary from one company to another.

If you have questions about your credit score or the credit

information that is furnished to you, contact the consumer
reporting agency at the address and telephone number provided with
this notice, or contact the lender, if the lender developed or
generated the credit score. The consumer reporting agency plays no
part in the decision to take any action on the loan application and
is unable to provide you with specific reasons for the decision on
a loan application.

If you have questions regarding the terms of the loan, contact the
lender.

Your credit scores were provided by the following credit reporting

agencies:

TRANSUNION EQUIFAX EXPERIAN

PO BOX 2000 PO BOX 740241 PO BOX 2002
CHESTER, PA 19016 ATLANTA, GA 30374 ALLEN, TX 75013
800-916-8800 800-685-1111 888-397-3742
transunion.com/myoptions www.experian.com/reportaccess
www.equifax.com/fcra
 The following information about your credit scores was created on
Page: 1/2
 4/29/2019.

Applicant : SONE, MARLA Y

Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 809 Range: 309-839
Key Factors affecting the score:
- LACK OF RECENT INSTALLMENT LOAN INFORMATION
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Applicant : SONE, MARLA Y

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 839 Range: 300-850
Key Factors affecting the score:
- AMOUNT OWED ON ACCOUNTS IS TOO HIGH

Borrower Signature _________________________________________ Date

__________
Page: 2/2
-------------------------------------------------------------------
APPLICANT:SONE, MARLA Y CO-APP:
SSN :455-04-7547 CO-SSN:
ADDRESS :535 BUCKINGHAM ROAD#3207, RICHARDSON, TX 75081
-------------------------------------------------------------------
C R E D I T B U R E A U E R R O R S
-------------------------------------------------------------------
B - EQUIFAX: CONSUMER REQUESTED SECURITY FREEZE ON CREDIT FILE -
REPORT UNAVAILABLE

* Please see the Remarks section for more details, if applicable

-------------------------------------------------------------------
S C O R E M O D E L S
-------------------------------------------------------------------
MARLA Y SONE - 455047547
TRANSUNION/FICO CLASSIC (04) 809
004 - LACK OF RECENT INSTALLMENT LOAN INFORMATION
014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

MARLA Y SONE - 455047547

EXPERIAN/FAIR, ISAAC (VER. 2) 839
01 - AMOUNT OWED ON ACCOUNTS IS TOO HIGH

-------------------------------------------------------------------
P U B L I C R E C O R D S
-------------------------------------------------------------------
*** NO RECORD FOUND ***

-------------------------------------------------------------------
D E R O G A T O R Y A C C O U N T S
-------------------------------------------------------------------
*** NO RECORD FOUND ***

-------------------------------------------------------------------
O P E N A C C O U N T S
-------------------------------------------------------------------
E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
-------------------------------------------------------------------
B B AMEX MIN 04/19 $9700 AS AGREED
349992******1683 REV 02/16 $148 38 0 0 0
--/-- $35 XP/TU
04/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

B B USAA SAVINGS BANK 04/19 $20000 AS AGREED

427082****** REV 03/16 $130 38 0 0 0
04/19 $15 XP/TU
04/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT PREVIOUSLY IN DISPUTE-NOW RESOLVED-REPORTED BY
SUBSCRIBER; FLEXIBLE SPENDING CREDIT CARD;

Page: 1/9
-------------------------------------------------------------------
APPLICANT:SONE, MARLA Y
SSN :455-04-7547
ADDRESS :535 BUCKINGHAM ROAD#3207, RICHARDSON, TX 75081
-------------------------------------------------------------------
B B CITI 04/19 $19300 AS AGREED
410039****** REV 05/00 $0 32 0 0 0
03/19 $0 XP/TU
04/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;

B B MEDICAL PAYMENT DATA 03/19 $8800 AS AGREED

578097****** REV 08/17 $0 20 0 0 0
--/-- $0 XP/TU
03/19: CCCCCCCCCCCCCCCCCCCC

B B NEBRASKA FURNITURE MAR 04/19 $4000 AS AGREED

573866* REV 09/16 $0 31 0 0 0
02/19 $0 XP/TU
04/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

-------------------------------------------------------------------
C L O S E D A C C O U N T S
-------------------------------------------------------------------
E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
-------------------------------------------------------------------
B B AMEX 06/16 $19300 PAID
349990******0543 REV 05/00 $0 61 0 0 0
--/-- $0 XP/TU
06/16:
-------------------------CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: PURCHASED BY ANOTHER LENDER; ACCOUNT CLOSED;

B B CAP1/NEIMN 05/16 $7500 PAID

491030* REV 07/08 $0 94 0 0 0
11/15 $0 XP/TU
05/16:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

B B CAP1/SAKS 05/16 $4000 PAID

759158 REV 05/14 $0 25 0 0 0
11/14 $0 XP/TU
05/16: -CCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;
Page: 2/9
-------------------------------------------------------------------
APPLICANT:SONE, MARLA Y
SSN :455-04-7547
ADDRESS :535 BUCKINGHAM ROAD#3207, RICHARDSON, TX 75081
-------------------------------------------------------------------
B B CB/VICSCRT 07/18 $1000 PAID
585637****** REV 05/08 $0 82 0 0 0
--/-- $0 XP/TU
07/18:
-----------------------CCCCCCCCCCCCCCCCCCCCCCCCCCC--------------
REMARK: ACCOUNT CLOSED BY CONSUMER;

J B CITIMORTGAGE INC 360 10/10 $280000 PAID

2005097374 MTG 03/08 $0 32 0 0 0
09/10 $0 XP/TU
10/10: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST;

J B DSNB MACYS 04/19 $2000 PAID

336221* REV 08/95 $0 82 0 0 0
03/16 $0 XP/TU
04/19:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC----CCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER;

B B KOHLS/CAPONE 11/18 $1000 PAID

639305****** REV 02/11 $0 93 0 0 0
10/15 $0 XP/TU
11/18:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CLOSED DUE TO INACTIVITY;

J B MACYS/DSNB 09/15 $100 PAID

336221** REV 12/97 $0 99 0 0 0
10/98 $0 XP/TU
09/15:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED DUE TO TRANSFER;

J B PENTAGON FEDERAL CR UN 03/19 $1000 PAID

233840* REV 11/93 $0 99 0 0 0
05/15 $0 XP/TU
03/19:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; CHECK CREDIT OR
LINE OF CREDIT;
Page: 3/9
-------------------------------------------------------------------
APPLICANT:SONE, MARLA Y
SSN :455-04-7547
ADDRESS :535 BUCKINGHAM ROAD#3207, RICHARDSON, TX 75081
-------------------------------------------------------------------
J B PENTAGON FEDERAL CR UN 02/17 $30000 PAID
407154****** REV 11/93 $0 99 0 0 0
01/17 $0 XP
02/17:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CREDIT GRANTOR'S REQUEST;

J B PENTAGON FEDERAL CR UN360 01/17 $177200 PAID

1009036179 MTG 10/10 $0 76 0 0 0
12/16 $0 XP/TU
01/17:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST;

B B PENTAGON FEDERAL CR UN060 12/16 $24322 PAID

2847250 MTG 12/11 $0 62 0 0 0
12/16 $0 XP/TU
12/16:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: HOME EQUITY;

B B SYNCB/BELK 12/10 $124 PAID

604583****** REV 10/08 $0 26 0 0 0
11/08 $0 XP
12/10: -CCCCCCCCCCCCCCCCCCCCCCCCC

B B SYNCB/JCP 02/12 $0 PAID

600889****** REV 01/07 $0 62 0 0 0
10/07 $0 XP
02/12:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

J B SYNCB/JCP DC 04/17 $500 PAID

546680****** REV 09/04 $0 82 0 0 0
06/13 $0 XP/TU
04/17:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER;

B B SYNCB/TJXDC 09/17 $3600 PAID

524366****** REV 02/17 $0 07 0 0 0
05/17 $0 XP/TU
09/17: -CCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER;
Page: 4/9
-------------------------------------------------------------------
APPLICANT:SONE, MARLA Y
SSN :455-04-7547
ADDRESS :535 BUCKINGHAM ROAD#3207, RICHARDSON, TX 75081
-------------------------------------------------------------------
A B THD/CBNA 10/10 $2501 PAID
603532****** REV 04/08 $0 30 0 0 0
05/08 $0 XP
10/10: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; AUTHORIZED USER;

J B USAA SVG BK 06/17 $26100 PAID

427082****** REV 10/88 $0 82 0 0 0
01/17 $0 XP/TU
06/17:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER;

B B WFDILLARDS 11/14 $1024 PAID

377717****** REV 07/08 $0 76 0 0 0
08/11 $0 XP/TU
11/14:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER;

-------------------------------------------------------------------
O T H E R C R E D I T H I S T O R Y
-------------------------------------------------------------------
*** NO RECORD FOUND ***

-------------------------------------------------------------------
A L I A S V A R I A T I O N S
-------------------------------------------------------------------
MARLA Y SONE 455047547 DOB: 11/15/55
MARLA YETIVE EATON 455047547 DOB: N/A
MARLA Y SONE
EATON,MARLA,Y
DOB: 11/15/55

-------------------------------------------------------------------
I N Q U I R I E S ( L A S T 1 2 0 D A Y S )
-------------------------------------------------------------------
XP 04/13/19 CREDCO FINANCE
TU 04/13/19 USAA TR5 FINANCE

-------------------------------------------------------------------
A D D R E S S V A R I A T I O N S
-------------------------------------------------------------------
240 BOLTON DR, AUSTIN, TX 78737-4528 03/08
240 BOLTON DR, AUSTIN, TX 78737-4528 04/08 - 04/16
809 LA PRADA DR APT 245, GARLAND, TX 75043-5378 09/16
- 02/17
809 LA PRADA DR #245, GARLAND, TX 75043-5378 09/16
535 BUCKINGHAM RD APT 3207, RICHARDSON, TX 75081-5180
05/17 - 07/18
 535 BUCKINGHAM RD #3207, RICHARDSON, TX 75081-5180
Page: 5/9
-------------------------------------------------------------------
APPLICANT:SONE, MARLA Y
SSN :455-04-7547
ADDRESS :535 BUCKINGHAM ROAD#3207, RICHARDSON, TX 75081
-------------------------------------------------------------------
07/17

-------------------------------------------------------------------
E M P L O Y M E N T V A R I A T I O N S
-------------------------------------------------------------------
OBERON INTERNATIONAL//IRVING TX

-------------------------------------------------------------------
R E M A R K S
-------------------------------------------------------------------
EQUIFAX REMARK: CONSUMER REQUESTED SECURITY FREEZE ON HIS/HER
CREDIT FILE - REPORT UNAVAILABLE

-------------------------------------------------------------------
A L E R T
-------------------------------------------------------------------
MARLA Y SONE YOB: 1955
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED

-------------------------------------------------------------------
T U I D V I S I O N A L E R T
-------------------------------------------------------------------
SONE, MARLA Y 455-04-7547
REMARK: AVAILABLE AND CLEAR

-------------------------------------------------------------------
C R E D I T O R S
-------------------------------------------------------------------
- AMEX [XP/TU] 800-528-4800
TAPE - P O BOX 7871,FORT LAUDERDALE, FL 33329
- CAP1/NEIMN [XP/TU] 800-685-6695
26525 N RIVERWOODS BLVD,METTAWA, IL 60045
- CAP1/SAKS [XP/TU] 800-221-8340
3455 HIGHWAY 80 W,JACKSON, MS 39209
- CCB/SMILEG [TU] 877-287-8879
PO BOX 182120,COLUMBUS, OH 43218
- CITI [XP/TU] 855-378-6467
PO BOX 6190,SIOUX FALLS, SD 57117
- CITIMORTGAGE INC [XP/TU] 800-283-7918
15851 CLAYTON RD,BALDWIN, MO 63011
- CREDCO [XP/TU] 800-637-2422
12395 FIRST AMERICAN WAY,POWAY, CA 92064
- Credit Plus [TU] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- DSNB MACYS [TU] 800-956-6229
PO BOX 8218,MASON, OH 45040
- kohls/capone [XP] 800-564-5740
,
- KOHLS/CAPONE [MANUAL] 800-564-5740
,
- MBGA/JC PENNEY [XP] 800-542-0800
PO BOX 981131,EL PASO TX 79998
Page: 6/9
-------------------------------------------------------------------
APPLICANT:SONE, MARLA Y
SSN :455-04-7547
ADDRESS :535 BUCKINGHAM ROAD#3207, RICHARDSON, TX 75081
-------------------------------------------------------------------
- MCYDSNB [XP] 800-956-6229
,
- NEBRASKA FURNITURE MAR [XP] 402-397-6100
700 S 72ND ST,OMAHA, NE 68114
- NEBRSKA FURN [TU] 402-397-6100
PO BOX 3456,OMAHA, NE 68103
- PENTAGON FCU [TU] 800-247-5626
1001 N. FAIRFAX,ALEXANDRIA VA 22314
- PENTAGON FEDERAL CR UN [XP] 800-247-5626
1001 N FAIRFAX ST,ALEXANDRIA, VA 22314
- PENTAGON FEDERAL CR UNseenote [XP] 800-247-5626
PO BOX 1432,ALEXANDRIA, VA 22313
- SYNCB/BELK [XP] 800-669-6550
PO BOX 965028,ORLANDO, FL 32896
- SYNCB/JC PENNEY DC [XP/TU] 866-227-5213
PO BOX 965007,ORLANDO, FL 32896
- SYNCB/TJX COS DC [XP] 800-982-6879
PO BOX 965005,ORLANDO, FL 32896
- SYNCB/TJXDC [TU] 800-926-6299
PO BOX 965015,ORLANDO, FL 32896
- THD/CBSD [XP] 866-875-5488
PO BOX 9714 (home depot),GRAY TN 37615
- USAA SAVINGS BANK [XP] 800-922-9092
PO BOX 47504,SAN ANTONIO, TX 78265
- USAA SVG BK [TU]
10750 MC DERMOTT FWY,SAN ANTONIO, TX 78288
- WFDILLARDS [XP/TU] 800-642-4720
PO BOX 14517,DES MOINES, IA 50306
- WFNNB/VICTORIAS SECRET [XP/TU] 800-695-9478
PO BOX 182128,COLUMBUS OH 43218

-------------------------------------------------------------------
T R A D E S U M M A R Y
-------------------------------------------------------------------
# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 3 0 0 0 0
AUTO 0 0 0 0 0
EDUCATION 0 0 0 0 0
OTHER INSTALLM 0 0 0 0 0
OPEN 0 0 0 0 0
REVOLVING 21 278 61800 50 0
OTHER 0 0 0 0 0
TOTAL 24 278 61800 50 0

SECURED DEBT 0 HIGH CREDIT 61800

UNSECURED DEBT 278 REV CREDIT UTILIZATION 0%
OLDEST TRADE 10/88 TOTAL DEBT/HIGH CREDIT 0%

-------------------------------------------------------------------
D E R O G A T O R Y S U M M A R Y
-------------------------------------------------------------------
Page: 7/9
-------------------------------------------------------------------
APPLICANT:SONE, MARLA Y
SSN :455-04-7547
ADDRESS :535 BUCKINGHAM ROAD#3207, RICHARDSON, TX 75081
-------------------------------------------------------------------
CHARGE OFFS 0 30 DAYS 0 INQUIRIES 2
COLLECTIONS 0 60 DAYS 0 DISPUTES 0
BANKRUPTCY 0 90 DAYS 0
PUBLIC RECORDS 0 OTHER 0

-------------------------------------------------------------------
S O U R C E O F I N F O R M A T I O N
-------------------------------------------------------------------
1 - EXPERIAN
MARLA Y SONE 455047547 DOB: 11/15/55
MARLA YETIVE EATON 455047547 DOB: N/A
455-04-7547
535 BUCKINGHAM RD APT 3207, RICHARDSON, TX 75081-5180
05/17 - 07/18
809 LA PRADA DR APT 245, GARLAND, TX 75043-5378 09/16
- 02/17
240 BOLTON DR, AUSTIN, TX 78737-4528 04/08 - 04/16
OBERON INTERNATIONAL//IRVING TX

2 - TRANSUNION
MARLA Y SONE
EATON,MARLA,Y
DOB: 11/15/55
455-04-7547
535 BUCKINGHAM RD #3207, RICHARDSON, TX 75081-5180
07/17
809 LA PRADA DR #245, GARLAND, TX 75043-5378 09/16
240 BOLTON DR, AUSTIN, TX 78737-4528 03/08

3 - EQUIFAX
*** NONE ***

-------------------------------------------------------------------
M I S C E L L A N E O U S I N F O R M A T I O N
-------------------------------------------------------------------
Instant View Password: AV-1993922A
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 48078752 and password AV-1993922A to view the
report. For any inquiries regarding this report or services
provided by CREDIT PLUS 2 please contact us at (800) 258-3488.

-------------------------------------------------------------------
D I S C L A I M E R
-------------------------------------------------------------------

An asterisk (*) following the payment amount indicates the

repositories have no payment data and that the amount was
automatically calculated as a percentage of the account balance.

This is a report containing information supplied by the

repositories listed above. The merge process is automated and the
report may include some duplications and/or omissions. Inquiries
Page: 8/9
-------------------------------------------------------------------
APPLICANT:SONE, MARLA Y
SSN :455-04-7547
ADDRESS :535 BUCKINGHAM ROAD#3207, RICHARDSON, TX 75081
-------------------------------------------------------------------
regarding any disputed items should be directed to the creditor
reporting the item, or to the appropriate repository service
center(s) listed below.

TRANS UNION EQUIFAX EXPERIAN

PO BOX 1000 PO BOX 740256 PO BOX 2002
CHESTER,PA 19016 ATLANTA,GA 30374 ALLEN,TX 75013
800-916-8800 800-685-1111 888-397-3742
transunion.com/myoptions www.experian.com/reportaccess
www.equifax.com/fcra

-------------------------------------------------------------------
T R E N D S U M M A R Y
-------------------------------------------------------------------

*** END OF REPORT 4/29/2019 11:04:59 AM ***

Page: 9/9
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

CORNERSTONE HOME LENDING INC - 140 REPORT #: 48078752

8401 NORTH EXPY STE 250 REFERENCE #: 1400016328
DALLAS, TX 75225
2143505055

RETURN SERVICE REQUESTED

MARLA Y SONE
535 BUCKINGHAM ROAD#3207
RICHARDSON, TX 75081
=================================================================
YOUR CREDIT SCORE - 839
Source: EXPERIAN Date: 04/29/19
Model: EXPERIAN/FAIR, ISAAC (VER. 2)

=================================================================
UNDERSTANDING YOUR CREDIT SCORE
-----------------------------------------------------------------
What you should know about credit scores:
-----------------------------------------------------------------
Your credit score is a number that reflects the information in
your credit report.

Your credit report is a record of your credit history. It

includes information about whether you pay your bills on time and
how much you owe to creditors.

Your credit score can change, depending on how your credit

history changes.

-----------------------------------------------------------------
How we use your credit score:
-----------------------------------------------------------------
Your credit score can affect whether you can get a loan and how
much you will have to pay for that loan.

-----------------------------------------------------------------
The range of scores:
-----------------------------------------------------------------
Scores range from a low of 300 to a high of 850.

Generally, the higher your score, the more likely you are to be
offered better credit terms.

-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 99 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* AMOUNT OWED ON ACCOUNTS IS TOO HIGH

=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
Page: 1/9
What if there are mistakes in your credit report?
-----------------------------------------------------------------
You have a right to dispute any inaccurate information in your
credit report. If you find mistakes on your credit report,
contact the consumer reporting agency.

It is a good idea to check your credit report to make sure the

information it contains is accurate.

-----------------------------------------------------------------
How can you obtain a copy of your credit report?
-----------------------------------------------------------------
Under federal law, you have the right to obtain a free copy of
your credit report from each of the nationwide consumer reporting
agencies once a year.

To order your free annual credit report:

* BY TELEPHONE: Call toll-free: 1-877-322-8228

* ON THE WEB: Visit www.annualcreditreport.com

* BY MAIL: Mail your completed Annual Credit Report Request Form

(which you can obtain from the Federal Trade Commission's web
site at
http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to:

Annual Credit Report Request Service

P.O. Box 105281
Atlanta, GA 30348-5281

-----------------------------------------------------------------
How can you get more information?
-----------------------------------------------------------------
For more information about credit reports and your rights under
Federal law, visit the Consumer Financial Protection Bureau's web
site at www.consumerfinance.gov/learnmore.
Page: 2/9
 NOTICE TO THE HOME LOAN APPLICANT

In connection with your application for a home loan, the lender

must disclose to you the score that a consumer reporting agency
distributed to users and the lender used in connection with your
home loan, and the key factors affecting your credit scores.

The credit score is a computer generated summary calculated at

the time of the request and based on information that a consumer
reporting agency or lender has on file. The scores are based on
data about your credit history and payment patterns. Credit
scores are important because they are used to assist the lender
in determining whether you will obtain a loan. They may also be
used to determine what interest rate you may be offered on the
mortgage. Credit scores can change over time, depending on your
conduct, how your credit history and payment patterns change, and
how credit scoring technologies change.

Because the score is based on information in your credit history,

it is very important that you review the credit-related
information that is being furnished to make sure it is accurate.
Credit records may vary from one company to another.

If you have questions about your credit score or the credit

information that is furnished to you, contact the consumer
reporting agency at the address and telephone number provided
with this notice, or contact the lender, if the lender developed
or generated the credit score. The consumer reporting agency
plays no part in the decision to take any action on the loan
application and is unable to provide you with specific reasons
for the decision on a loan application.

If you have questions concerning the terms of the loan, contact

the lender.

------------------------------------------------------------------
-----------------
Signature
Date
Page: 3/9
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

CORNERSTONE HOME LENDING INC - 140 REPORT #: 48078752

8401 NORTH EXPY STE 250 REFERENCE #: 1400016328
DALLAS, TX 75225
2143505055

RETURN SERVICE REQUESTED

MARLA Y SONE
535 BUCKINGHAM ROAD#3207
RICHARDSON, TX 75081
=================================================================
YOUR CREDIT SCORE - 809
Source: TRANS UNION Date: 04/29/19
Model: TRANSUNION/FICO CLASSIC (04)

=================================================================
UNDERSTANDING YOUR CREDIT SCORE
-----------------------------------------------------------------
What you should know about credit scores:
-----------------------------------------------------------------
Your credit score is a number that reflects the information in
your credit report.

Your credit report is a record of your credit history. It

includes information about whether you pay your bills on time and
how much you owe to creditors.

Your credit score can change, depending on how your credit

history changes.

-----------------------------------------------------------------
How we use your credit score:
-----------------------------------------------------------------
Your credit score can affect whether you can get a loan and how
much you will have to pay for that loan.

-----------------------------------------------------------------
The range of scores:
-----------------------------------------------------------------
Scores range from a low of 309 to a high of 839.

Generally, the higher your score, the more likely you are to be
offered better credit terms.

-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 92 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* LACK OF RECENT INSTALLMENT LOAN INFORMATION
* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

=================================================================
CHECKING YOUR CREDIT REPORT
Page: 4/9
-----------------------------------------------------------------
What if there are mistakes in your credit report?
-----------------------------------------------------------------
You have a right to dispute any inaccurate information in your
credit report. If you find mistakes on your credit report,
contact the consumer reporting agency.

It is a good idea to check your credit report to make sure the

information it contains is accurate.

-----------------------------------------------------------------
How can you obtain a copy of your credit report?
-----------------------------------------------------------------
Under federal law, you have the right to obtain a free copy of
your credit report from each of the nationwide consumer reporting
agencies once a year.

To order your free annual credit report:

* BY TELEPHONE: Call toll-free: 1-877-322-8228

* ON THE WEB: Visit www.annualcreditreport.com

* BY MAIL: Mail your completed Annual Credit Report Request Form

(which you can obtain from the Federal Trade Commission's web
site at
http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to:

Annual Credit Report Request Service

P.O. Box 105281
Atlanta, GA 30348-5281

-----------------------------------------------------------------
How can you get more information?
-----------------------------------------------------------------
For more information about credit reports and your rights under
Federal law, visit the Consumer Financial Protection Bureau's web
site at www.consumerfinance.gov/learnmore.
Page: 5/9
 NOTICE TO THE HOME LOAN APPLICANT

In connection with your application for a home loan, the lender

must disclose to you the score that a consumer reporting agency
distributed to users and the lender used in connection with your
home loan, and the key factors affecting your credit scores.

The credit score is a computer generated summary calculated at

the time of the request and based on information that a consumer
reporting agency or lender has on file. The scores are based on
data about your credit history and payment patterns. Credit
scores are important because they are used to assist the lender
in determining whether you will obtain a loan. They may also be
used to determine what interest rate you may be offered on the
mortgage. Credit scores can change over time, depending on your
conduct, how your credit history and payment patterns change, and
how credit scoring technologies change.

Because the score is based on information in your credit history,

it is very important that you review the credit-related
information that is being furnished to make sure it is accurate.
Credit records may vary from one company to another.

If you have questions about your credit score or the credit

information that is furnished to you, contact the consumer
reporting agency at the address and telephone number provided
with this notice, or contact the lender, if the lender developed
or generated the credit score. The consumer reporting agency
plays no part in the decision to take any action on the loan
application and is unable to provide you with specific reasons
for the decision on a loan application.

If you have questions concerning the terms of the loan, contact

the lender.

------------------------------------------------------------------
-----------------
Signature
Date
Page: 6/9
 CREDIT SCORES AND THE PRICE YOU PAY FOR CREDIT

CORNERSTONE HOME LENDING INC - 140 REPORT #: 48078752

8401 NORTH EXPY STE 250 REFERENCE #: 1400016328
DALLAS, TX 75225
2143505055

RETURN SERVICE REQUESTED

MARLA Y SONE
535 BUCKINGHAM ROAD#3207
RICHARDSON, TX 75081
=================================================================
YOUR CREDIT SCORE
-----------------------------------------------------------------
Your credit score is not available from EQUIFAX, which is a
consumer reporting agency, because they may not have enough
information about your credit history to calculate a score.
(Date: N/A)

-----------------------------------------------------------------
What you should know about credit scores
-----------------------------------------------------------------
A credit score is a number that reflects the information in a
credit report.

A credit report is a record of a consumer's credit history. It

includes information about whether bills are paid on time and how
much is owed to creditors.

A credit score can change, depending on how a consumer's credit

history changes.

-----------------------------------------------------------------
Why credit scores are important
-----------------------------------------------------------------
Credit scores are important because consumers who have higher
credit scores generally will get more favorable credit terms.

Not having a credit score can affect whether you can get a loan
and how much you will have to pay for that loan.

=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
What if there are mistakes in your credit report?
-----------------------------------------------------------------
You have a right to dispute any inaccurate information in your
credit report. If you find mistakes on your credit report,
contact the consumer reporting agency.

It is a good idea to check your credit report to make sure the

information it contains is accurate.

-----------------------------------------------------------------
How can you obtain a copy of your credit report?
-----------------------------------------------------------------
Under federal law, you have the right to obtain a free copy of
your credit report from each of the nationwide consumer reporting
Page: 7/9
agencies once a year.

To order your free annual credit report:

* BY TELEPHONE: Call toll-free: 1-877-322-8228

* ON THE WEB: Visit www.annualcreditreport.com

* BY MAIL: Mail your completed Annual Credit Report Request Form

(which you can obtain from the Federal Trade Commission's web
site at
http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to:

Annual Credit Report Request Service

P.O. Box 105281
Atlanta, GA 30348-5281

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How can you get more information?
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For more information about credit reports and your rights under
Federal law, visit the Consumer Financial Protection Bureau's web
site at www.consumerfinance.gov/learnmore.
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 NOTICE TO THE HOME LOAN APPLICANT

In connection with your application for a home loan, the lender

must disclose to you the score that a consumer reporting agency
distributed to users and the lender used in connection with your
home loan, and the key factors affecting your credit scores.

The credit score is a computer generated summary calculated at

the time of the request and based on information that a consumer
reporting agency or lender has on file. The scores are based on
data about your credit history and payment patterns. Credit
scores are important because they are used to assist the lender
in determining whether you will obtain a loan. They may also be
used to determine what interest rate you may be offered on the
mortgage. Credit scores can change over time, depending on your
conduct, how your credit history and payment patterns change, and
how credit scoring technologies change.

Because the score is based on information in your credit history,

it is very important that you review the credit-related
information that is being furnished to make sure it is accurate.
Credit records may vary from one company to another.

If you have questions about your credit score or the credit

information that is furnished to you, contact the consumer
reporting agency at the address and telephone number provided
with this notice, or contact the lender, if the lender developed
or generated the credit score. The consumer reporting agency
plays no part in the decision to take any action on the loan
application and is unable to provide you with specific reasons
for the decision on a loan application.

If you have questions concerning the terms of the loan, contact

the lender.

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Signature
Date
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CORNERSTONE HOME LENDING INC - 140
8401 NORTH EXPY STE 250
DALLAS, TX 75225
2143505055

NOTICE TO THE HOME LOAN APPLICANT

CREDIT SCORE INFORMATION DISCLOSURE

SONE, MARLA Y
535 BUCKINGHAM ROAD#3207
RICHARDSON, TX 75081

In connection with your application for a home loan, the lender

must disclose to you the score that a consumer reporting agency
distributed to users and the lender used in connection with your
home loan, and the key factors affecting your credit scores.

The credit score is a computer generated summary calculated at the

time of the request and based on information that a consumer
reporting agency or lender has on file. The scores are based on
data about your credit history and payment patterns. Credit scores
are important because they are used to assist the lender in
determining whether you will obtain a loan. They may also be used
to determine what interest rate you may be offered on the mortgage.
Credit scores can change over time, depending on your conduct, how
your credit history and payment patterns change, and how credit
scoring technologies change.

Because the score is based on information in your credit history,

it is very important that you review the credit-related information
that is being furnished to make sure it is accurate. Credit records
may vary from one company to another.

If you have questions about your credit score or the credit

information that is furnished to you, contact the consumer
reporting agency at the address and telephone number provided with
this notice, or contact the lender, if the lender developed or
generated the credit score. The consumer reporting agency plays no
part in the decision to take any action on the loan application and
is unable to provide you with specific reasons for the decision on
a loan application.

If you have questions regarding the terms of the loan, contact the
lender.

Your credit scores were provided by the following credit reporting

agencies:

TRANSUNION EQUIFAX EXPERIAN

PO BOX 2000 PO BOX 740241 PO BOX 2002
CHESTER, PA 19016 ATLANTA, GA 30374 ALLEN, TX 75013
800-916-8800 800-685-1111 888-397-3742
transunion.com/myoptions www.experian.com/reportaccess
www.equifax.com/fcra
 The following information about your credit scores was created on
Page: 1/2
 4/29/2019.

Applicant : SONE, MARLA Y

Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 809 Range: 309-839
Key Factors affecting the score:
- LACK OF RECENT INSTALLMENT LOAN INFORMATION
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Applicant : SONE, MARLA Y

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 839 Range: 300-850
Key Factors affecting the score:
- AMOUNT OWED ON ACCOUNTS IS TOO HIGH

Borrower Signature _________________________________________ Date

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Page: 2/2