PERSON NAME: PALOMINO, ROGER

UA11
PERSON SSN : 464-81-5610
FIRST NAME : PALOMINO
LAST NAME : ROGER
UA11
PERSON DOB : 10/13/1971

PERSON ADRESS: 15823 PONDEROSA PASS, HELOTES, TX 78023

PERSON SCORE: 816

PALOMINO, ROGELIO 464-81-5610

PALOMINO STEPHANIE LEE 0 452-55-9240
DATE: 05/29/2019 PAGE 1 OF 15
Factual Data
Bureau Express Report
THIS IS A MERGED INFILE

TransUnion Consumer Equifax Consumer Experian Consumer

Relations Relations Relations
PO Box 1000 PO Box 740241 PO Box 2002
Chester, PA 19016-1000 Atlanta, GA 30374 Allen, TX 75013
(800) 916-8800 (800) 685-1111 (888) 397-3742
www.transunion.com/myoptions www.equifax.com/fcra www.experian.com

This report is furnished in response to a consumer or business application.

The information contained herein meets the standards set forth by FNMA, FHLMC,
FHA/VA and the Rural Housing Service. The information contained herein meets
all guidelines set forth by the Fair Credit Reporting Act; it is to be held in
strict confidence and may be revealed only to those whose official duties
require the information in relation to which this report was ordered, except
that which is required by law. The information has been obtained from sources
deemed reliable, the accuracy of which Factual Data does not guarantee.

CORNERSTONE HOME LENDING, INC - 145 FACTUAL DATA

4372 N LOOP 1604 WEST STE 300 5100 HAHNS PEAK DRIVE
SAN ANTONIO, TX 78231 LOVELAND, CO 80538
(210)340-4994 (4406-0086EJ) (800)324-5005

REF #K4406BXCE090111 05/29/2019 19:21:02

SOURCE: 634801 CHARGES: 16.24
_______________________________________________________________________________
APPLICATION INFORMATION

PALOMINO, ROGELIO 464-81-5610 10/13/1971

PALOMINO, STEPHANIE LEE 0 452-55-9240 09/27/1971

PRESENT ADDRESS: 15823 PONDEROSA PASS, HELOTES, TX 78023

_______________________________________________________________________________
FILE VERIFICATIONS

TU UA11 B 464-81-5610 PALOMINO, ROGELIO

05/29/19 19:21 DOB: 10/13/1971
EQUIFAX QA11 B 464-81-5610 PALOMINO, ROGER
05/29/19 19:21 DOB: 10/13/1971
EXPERIAN RA11 B 464-81-5610 PALOMINO, ROGER
05/29/19 19:21 DOB: 1971
 TU UC11 C 452-55-9240 PALOMINO, STEPHANIE LEE
05/29/19 19:21 DOB: 09/27/1971
EQUIFAX QC11 C 452-55-9240 PALOMINO, STEPHANIE L
05/29/19 19:21 DOB: 09/27/1971
** EXPERIAN RC11 C 000-00-0000 PALOMINO, STEPHANIE LEE 0 NO HIT/NO RECORD FOUND
05/29/19 19:21 DOB:
** Experian Error Report **
Experian Error 045 - INVALID SURNAME

CONTINUED ON NEXT PAGE

PALOMINO, ROGELIO 464-81-5610
PALOMINO STEPHANIE LEE 0 452-55-9240
DATE: 05/29/2019 PAGE 2 OF 15

_______________________________________________________________________________
CREDIT SCORE INFORMATION

FAIR ISAAC/EXPERIAN INFORMATION: B 464-81-5610 PALOMINO, ROGER

CREDIT RISK SCORE: 0824 [Fair Isaac V2]
FAIR ISAAC REASON CODES
08 - TOO MANY INQUIRIES LAST 12 MONTHS
05 - TOO MANY ACCOUNTS WITH BALANCES
14 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
10 - RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS
TOO HIGH

FAIR ISAAC/TRANS UNION EMPIRICA INFORMATION: B 464-81-5610 PALOMINO, ROGELIO

CREDIT RISK SCORE: 782 [Classic 04]
EMPIRICA REASON CODES
030 - Time since most recent account opening is too short
012 - Length of time revolving accounts have been established
003 - Proportion of loan balances to loan amounts is too high
028 - Number of established accounts
FACTA: Inquiries impacted the credit score.

FAIR ISAAC/TRANS UNION EMPIRICA INFORMATION: C 452-55-9240 PALOMINO, STEPHANIE LEE

CREDIT RISK SCORE: 787 [Classic 04]
EMPIRICA REASON CODES
030 - Time since most recent account opening is too short
012 - Length of time revolving accounts have been established
003 - Proportion of loan balances to loan amounts is too high
011 - Amount owed on revolving accounts is too high
FACTA: Inquiries impacted the credit score.

FAIR ISAAC/EQUIFAX BEACON INFORMATION: B 464-81-5610 PALOMINO, ROGER

CREDIT RISK SCORE: 0816 [BEACON 5]
BEACON REASON CODES
30 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
05 - TOO MANY ACCOUNTS WITH BALANCES
14 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

FAIR ISAAC/EQUIFAX BEACON INFORMATION: C 452-55-9240 PALOMINO, STEPHANIE L

CREDIT RISK SCORE: 0816 [BEACON 5]
BEACON REASON CODES
30 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
05 - TOO MANY ACCOUNTS WITH BALANCES
14 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
_______________________________________________________________________________
PUBLIC RECORDS

NO PUBLIC RECORDS FOUND.

05/29/2019 CORNERSTONE HOME LEN
08/27/2018 AQUA FINANCE
UA11 UC11
06/15/2018 MACYS/DSNB
RA11
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PALOMINO STEPHANIE LEE 0 452-55-9240
DATE: 05/29/2019 PAGE 3 OF 15

_______________________________________________________________________________
CREDIT INFORMATION

LAST HIGH NO PAST DUE REV PAID

CREDITOR/ DATE ACTV/ LIMIT/ MOS TIMES/DATES OR
ACCOUNT NO RPRTD OPND HI BAL BAL * RVD 30 60 90 PAY AMNT
===============================================================================
* = ACCOUNT OWNER/ACCOUNT TYPE

VA REAL ESTATE MORTGAGE; REAL ESTATE MORTGAGE; VA MORTGAGE

GATEWAY MORTGAGE GRP 04/19 --- JOINT $0 PAST DUE
50043241 04/19 02/18 335000 327181 M1 13 0 0 0 360X $1815
RA11 UA11 UC11 QA11 QC11
_____________________________________________________________________

UNSECURED; UNSECURED; FIXED RATE

SUNTRUST BANK DBA LI 04/19 --- JOINT $0 PAST DUE
LS11022651 04/19 05/18 49999 47954 I1 12 0 0 0 144X $540
RA11 UA11 UC11 QA11 QC11
_____________________________________________________________________

AUTOMOBILE; AUTO; FIXED RATE

NAVY FCU 04/19 --- IND $ PAST DUE
XXXXXXXXXX8232 04/19 06/15 14699 3731 I1 46 0 0 0 60X $277
QA11
_____________________________________________________________________

AUTOMOBILE
NAVY FEDERAL CR UNION 04/19 --- IND $0 PAST DUE
43001501288232 04/19 06/15 14699 3731 I1 47 0 0 0 60X $277
RA11 UA11
_____________________________________________________________________

LINE OF CREDIT
CONNEXUS CU 04/19 7500 JOINT $0 PAST DUE
7259 04/19 09/18 3401 2718 C1 7 0 0 0 LOC X $69
UA11 UC11
_____________________________________________________________________

AMOUNT IN H/C COLUMN IS CREDIT LIMIT; FLEXIBLE SPENDING CREDIT

CARD
CITICARDS CBNA 05/19 12000 IND $0 PAST DUE
2014 05/19 09/18 4134 1089 R1 8 0 0 0 REV X $25
RA11 UA11 UC11 QA11 QC11
_____________________________________________________________________

CHARGE ACCOUNT; CHARGE; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

SYNCB/ROOMS TO GO 05/19 6500 IND $0 PAST DUE
8549 05/19 11/15 3939 1050 R1 43 0 0 0 REV X $83
RA11 UA11 QA11
_____________________________________________________________________
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PALOMINO STEPHANIE LEE 0 452-55-9240
DATE: 05/29/2019 PAGE 4 OF 15

_______________________________________________________________________________
CREDIT INFORMATION

LAST HIGH NO PAST DUE REV PAID

CREDITOR/ DATE ACTV/ LIMIT/ MOS TIMES/DATES OR
ACCOUNT NO RPRTD OPND HI BAL BAL * RVD 30 60 90 PAY AMNT
===============================================================================
* = ACCOUNT OWNER/ACCOUNT TYPE

CREDIT CARD; CREDIT CARD; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

AMERICAN EXPRESS 05/19 10000 IND $0 PAST DUE
7803 05/19 02/01 17884 30 R1 96 0 0 0 REV X $30
RA11 UA11 UC11 QA11 QC11
_____________________________________________________________________

AUTOMOBILE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE

A+ FEDERAL CREDIT UN 03/11 --- JOINT $ PAST DUE
1447730404 01/12 03/10 35556 0 I1 21 0 0 0 CLOSED
RA11 UA11 UC11 QA11 QC11
_____________________________________________________________________

AUTOMOBILE; CLOSED OR PAID ACCOUNT/ZERO BALANCE

A+ FEDERAL CREDIT UN 03/04 --- JOINT $ PAST DUE
1447730605 01/12 07/02 26156 0 I1 99 0 0 0 CLOSED
QC11
_____________________________________________________________________

UNSECURED; CLOSED OR PAID ACCOUNT/ZERO BALANCE

A+ FEDERAL CREDIT UN 03/09 --- JOINT $ PAST DUE
1447730402 01/12 02/09 11200 0 I1 34 0 0 0 CLOSED
QC11
_____________________________________________________________________

RECREATIONAL MERCHANDISE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO

BALANCE
A+ FEDERAL CREDIT UN 03/11 --- JOINT $ PAST DUE
1447730401 01/12 05/08 7610 0 I1 43 0 0 0 CLOSED
RA11 UA11 UC11 QA11 QC11
_____________________________________________________________________

AUTOMOBILE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE

A+ FEDERAL CREDIT UN 03/10 --- JOINT $ PAST DUE
1447730403 01/12 07/09 20000 0 I1 29 0 0 0 CLOSED
RA11 UA11 UC11 QA11 QC11
_____________________________________________________________________

UNSECURED; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE;

UNSECURED
A+ FEDERAL CREDIT UNIO 06/13 --- JOINT $ PAST DUE
1447730405 07/13 08/11 20000 0 I1 23 0 0 0 CLOSED
RA11 UA11 UC11 QA11 QC11
_____________________________________________________________________
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PALOMINO STEPHANIE LEE 0 452-55-9240
DATE: 05/29/2019 PAGE 5 OF 15

_______________________________________________________________________________
CREDIT INFORMATION

LAST HIGH NO PAST DUE REV PAID

CREDITOR/ DATE ACTV/ LIMIT/ MOS TIMES/DATES OR
ACCOUNT NO RPRTD OPND HI BAL BAL * RVD 30 60 90 PAY AMNT
===============================================================================
* = ACCOUNT OWNER/ACCOUNT TYPE

RECREATIONAL MERCHANDISE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO

BALANCE; RECREATIONAL MERCHANDISE
A+ FEDERAL CREDIT UNIO 02/17 --- IND $ PAST DUE
1447730406 03/17 05/13 11000 0 I1 46 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

CREDIT CARD; CREDIT LINE CLOSED - CONSUMER'S REQUEST -

REPORTED BY SUBSCRIBER; ACCOUNT CLOSED BY CONSUMER; ACCOUNT
CLOSED AT CONSUMER'S REQUEST; CLOSED OR PAID ACCOUNT/ZERO
BALANCE
AMERICAN EXPRESS 06/13 5200 IND $0 PAST DUE
8733 07/13 05/01 4052 0 R1 82 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

CREDIT CARD; ACCOUNT CLOSED BY CONSUMER; ACCOUNT CLOSED AT

CONSUMER'S REQUEST; AMOUNT IN H/C COLUMN IS CREDIT LIMIT
AMERICAN EXPRESS 07/10 19500 TERMINATD $0 PAST DUE
8653 07/10 05/01 19345 0 R1 82 0 0 0 CLOSED
UC11 QC11
_____________________________________________________________________

CREDIT CARD; CLOSED DUE TO INACTIVITY; INACTIVE ACCOUNT;

CLOSED OR PAID ACCOUNT/ZERO BALANCE; CREDIT CARD
AMEX DSNB 03/15 300 IND $0 PAST DUE
8305 05/19 04/10 --- 0 R1 99 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

CREDIT CARD; CREDIT CARD; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

AMEX/DSNB 08/18 10000 IND $0 PAST DUE
2691 04/19 06/18 167 0 R1 11 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________

CHECKING CREDIT/LINE OF CREDIT; PURCHASED BY ANOTHER LENDER;

PURCHASED BY ANOTHER LENDER; ACCOUNT TRANSFERRED OR SOLD; LINE
OF CREDIT
AQUA FINANCE INC 09/18 7500 JOINT $0 PAST DUE
7259 11/18 09/18 3401 0 C1 3 0 0 0 LOC X $0
RA11 UA11 UC11 QA11 QC11
_____________________________________________________________________
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PALOMINO STEPHANIE LEE 0 452-55-9240
DATE: 05/29/2019 PAGE 6 OF 15

_______________________________________________________________________________
CREDIT INFORMATION

LAST HIGH NO PAST DUE REV PAID

CREDITOR/ DATE ACTV/ LIMIT/ MOS TIMES/DATES OR
ACCOUNT NO RPRTD OPND HI BAL BAL * RVD 30 60 90 PAY AMNT
===============================================================================
* = ACCOUNT OWNER/ACCOUNT TYPE

CREDIT CARD; CLOSED DUE TO INACTIVITY; INACTIVE ACCOUNT;

CLOSED OR PAID ACCOUNT/ZERO BALANCE; CREDIT CARD
BARCLAYS BANK DELAWARE 08/16 6000 IND $0 PAST DUE
6236 08/16 01/14 1929 0 R1 32 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

CHARGE ACCOUNT; CLOSED DUE TO INACTIVITY; INACTIVE ACCOUNT;

CLOSED OR PAID ACCOUNT/ZERO BALANCE; CHARGE
BEST BUY/CBNA 11/14 2500 IND $0 PAST DUE
3908 10/17 04/11 889 0 R1 48 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

CHARGE ACCOUNT; CLOSED OR PAID ACCOUNT/ZERO BALANCE

CAPITAL ONE / BEST B 03/09 2000 JOINT $ PAST DUE
7207 06/12 11/08 1975 0 R1 44 0 0 0 CLOSED
RA11 QC11
_____________________________________________________________________

CHARGE ACCOUNT; PURCHASED BY ANOTHER LENDER; PURCHASED BY

ANOTHER LENDER; ACCOUNT TRANSFERRED OR SOLD; CHARGE
CAPITAL ONE / BEST B 09/13 2500 IND $0 PAST DUE
3908 09/13 04/11 889 0 R1 30 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________

CREDIT CARD; CREDIT LINE CLOSED - CONSUMER'S REQUEST -

REPORTED BY SUBSCRIBER; ACCOUNT CLOSED BY CONSUMER; ACCOUNT
CLOSED AT CONSUMER'S REQUEST; CREDIT CARD
CAPITAL ONE BANK USA N 06/13 16600 IND $0 PAST DUE
4046 06/13 07/03 14142 0 R1 99 0 0 0 CLOSED
RA11 UA11 UC11 QA11
_____________________________________________________________________

AUTOMOBILE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE; AUTO;

FIXED RATE
CHASE AUTO 02/15 --- IND $ PAST DUE
11327812331316 03/15 10/13 41718 0 I1 16 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________
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PALOMINO STEPHANIE LEE 0 452-55-9240
DATE: 05/29/2019 PAGE 7 OF 15

_______________________________________________________________________________
CREDIT INFORMATION

LAST HIGH NO PAST DUE REV PAID

CREDITOR/ DATE ACTV/ LIMIT/ MOS TIMES/DATES OR
ACCOUNT NO RPRTD OPND HI BAL BAL * RVD 30 60 90 PAY AMNT
===============================================================================
* = ACCOUNT OWNER/ACCOUNT TYPE

AUTOMOBILE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE; AUTO

CREDIT HUMAN FCU 12/15 --- IND $ PAST DUE
856326761501 11/16 09/15 38232 0 I1 14 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

CREDIT CARD; CREDIT CARD; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

DISCOVER FIN SVCS LLC 03/19 19300 IND $0 PAST DUE
0614 05/19 07/06 17205 0 R1 99 0 0 0 REV X $0
RA11 UA11 UC11 QA11 QC11
_____________________________________________________________________

AUTOMOBILE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE

FIRST COMMUNITY CU O 12/09 --- IND $ PAST DUE
1649100143 08/11 01/05 21374 0 I1 79 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

AUTOMOBILE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE; AUTO

HYUNDAI MOTOR FINANC 04/13 --- IND $ PAST DUE
20130305888005 06/13 03/13 27722 0 I1 3 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

CHARGE ACCOUNT; CHARGE; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

MACY S/DSNB 01/19 1200 IND $0 PAST DUE
1760 05/19 06/11 368 0 R1 95 0 0 0 REV X $0
UC11 QC11
_____________________________________________________________________

CHARGE ACCOUNT; CLOSED DUE TO INACTIVITY; INACTIVE ACCOUNT;

CLOSED OR PAID ACCOUNT/ZERO BALANCE; CHARGE
MACY S/DSNB 03/15 100 IND $0 PAST DUE
3220 05/19 04/10 222 0 R1 99 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

CHARGE ACCOUNT; CREDIT LINE CLOSED - GRANTOR'S REQUEST -

REPORTED BY SUBSCRIBER; CANCELED BY CREDIT GRANTOR; CLOSED OR
PAID ACCOUNT/ZERO BALANCE; ACCOUNT CLOSED BY CREDIT GRANTOR
MACY S/DSNB 01/18 900 IND $0 PAST DUE
6760 05/19 04/15 97 0 R1 49 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________
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PALOMINO STEPHANIE LEE 0 452-55-9240
DATE: 05/29/2019 PAGE 8 OF 15

_______________________________________________________________________________
CREDIT INFORMATION

LAST HIGH NO PAST DUE REV PAID

CREDITOR/ DATE ACTV/ LIMIT/ MOS TIMES/DATES OR
ACCOUNT NO RPRTD OPND HI BAL BAL * RVD 30 60 90 PAY AMNT
===============================================================================
* = ACCOUNT OWNER/ACCOUNT TYPE

AUTOMOBILE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE; AUTO;

FIXED RATE
MERCEDES-BENZ FINANC 03/13 --- JOINT $ PAST DUE
1024601316 05/13 03/11 29893 0 I1 26 0 0 0 CLOSED
RA11 UA11 UC11 QA11 QC11
_____________________________________________________________________

AUTOMOBILE; CLOSED OR PAID ACCOUNT/ZERO BALANCE; AUTO; FIXED

RATE
NAVY FCU 06/16 --- IND $ PAST DUE
XXXXXXXXXX6211 06/16 02/15 10199 0 I1 16 0 0 0 CLOSED
QA11
_____________________________________________________________________

AUTOMOBILE; CLOSED OR PAID ACCOUNT/ZERO BALANCE; AUTO; FIXED

RATE
NAVY FCU 10/13 --- IND $ PAST DUE
XXXXXXXXXX2563 10/13 04/13 27700 0 I1 6 0 0 0 CLOSED
QA11
_____________________________________________________________________

AUTOMOBILE; CLOSED OR PAID ACCOUNT/ZERO BALANCE; AUTO; FIXED

RATE
NAVY FCU 12/18 --- MAKER $ PAST DUE
XXXXXXXXXX3133 12/18 11/12 32756 0 I1 73 0 0 0 CLOSED
QA11 QC11
_____________________________________________________________________

UNSECURED; CLOSED OR PAID ACCOUNT/ZERO BALANCE; UNSECURED;

FIXED RATE
NAVY FCU 06/18 --- MAKER $ PAST DUE
XXXXXXXXXX7376 06/18 09/16 30000 0 I1 21 0 0 0 CLOSED
QA11 QC11
_____________________________________________________________________

AUTOMOBILE; CLOSED
NAVY FEDERAL CR UNION 12/18 --- MAKER $0 PAST DUE
43001481243133 12/18 11/12 32756 0 I1 74 0 0 0 CLOSED
RA11 UA11 UC11
_____________________________________________________________________
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PALOMINO STEPHANIE LEE 0 452-55-9240
DATE: 05/29/2019 PAGE 9 OF 15

_______________________________________________________________________________
CREDIT INFORMATION

LAST HIGH NO PAST DUE REV PAID

CREDITOR/ DATE ACTV/ LIMIT/ MOS TIMES/DATES OR
ACCOUNT NO RPRTD OPND HI BAL BAL * RVD 30 60 90 PAY AMNT
===============================================================================
* = ACCOUNT OWNER/ACCOUNT TYPE

AUTOMOBILE; CLOSED
NAVY FEDERAL CR UNION 06/16 --- IND $0 PAST DUE
43001498306211 06/16 02/15 10199 0 I1 17 0 0 0 CLOSED
RA11 UA11
_____________________________________________________________________

UNSECURED; CLOSED
NAVY FEDERAL CR UNION 06/18 --- MAKER $0 PAST DUE
43001512707376 06/18 09/16 30000 0 I1 22 0 0 0 CLOSED
RA11 UA11 UC11
_____________________________________________________________________

AUTOMOBILE; CLOSED
NAVY FEDERAL CR UNION 10/13 --- IND $0 PAST DUE
43001483932563 10/13 04/13 27700 0 I1 7 0 0 0 CLOSED
RA11 UA11
_____________________________________________________________________

AUTOMOBILE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE; AUTO

NISSAN MOTOR ACCEPTANC 12/12 --- CO-MAKER $0 PAST DUE
102487173750001 12/12 06/12 34430 0 I1 7 0 0 0 CLOSED
RA11 UA11 UC11 QA11 QC11
_____________________________________________________________________

CHARGE ACCOUNT; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE;

CHARGE
SYNCB/JC PENNEYS 03/12 124 JOINT $0 PAST DUE
5349 05/17 10/99 439 0 R1 99 0 0 0 CLOSED
RA11 UA11 UC11 QA11 QC11
_____________________________________________________________________

CHARGE ACCOUNT; CHARGE

SYNCB/JC PENNEYS --- --- UNKNOWN $ PAST DUE
0448 03/18 10/99 --- RU 0 0 0 0 REV X $0
QA11 QC11
_____________________________________________________________________

AUTOMOBILE; CLOSED OR PAID ACCOUNT/ZERO BALANCE; AUTO; FIXED

RATE
TEXELL CREDIT UNION 06/18 --- IND $ PAST DUE
2074680200 06/18 12/15 35299 0 I1 30 0 0 0 CLOSED
RA11 QA11
_____________________________________________________________________
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PALOMINO STEPHANIE LEE 0 452-55-9240
DATE: 05/29/2019 PAGE 10 OF 15

_______________________________________________________________________________
CREDIT INFORMATION

LAST HIGH NO PAST DUE REV PAID

CREDITOR/ DATE ACTV/ LIMIT/ MOS TIMES/DATES OR
ACCOUNT NO RPRTD OPND HI BAL BAL * RVD 30 60 90 PAY AMNT
===============================================================================
* = ACCOUNT OWNER/ACCOUNT TYPE

CHARGE ACCOUNT; CHARGE; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

THD/CBNA 06/18 9700 IND $0 PAST DUE
3239 05/19 03/10 5132 0 R1 99 0 0 0 REV X $0
RA11 UA11 UC11 QA11 QC11
_____________________________________________________________________

CHECKING CREDIT/LINE OF CREDIT; CREDIT LINE CLOSED -

CONSUMER'S REQUEST - REPORTED BY SUBSCRIBER; ACCOUNT CLOSED BY
CONSUMER; ACCOUNT CLOSED AT CONSUMER'S REQUEST; CLOSED OR PAID
ACCOUNT/ZERO BALANCE
WELLS FARGO BANK NV NA 06/10 6000 IND $0 PAST DUE
0001 07/10 03/04 5704 0 C1 76 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

CREDIT CARD; CREDIT CARD; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

WELLS FARGO CARD SER 09/13 2900 IND $0 PAST DUE
3079 05/19 06/01 2946 0 R1 99 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________

VA REAL ESTATE MORTGAGE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO

BALANCE; REAL ESTATE MORTGAGE; FIXED RATE
WELLS FARGO HM MORTGAG 07/13 --- JOINT $ PAST DUE
9360353377864 08/13 03/13 150100 0 M1 2 0 0 0 CLOSED
RA11 UA11 UC11 QA11 QC11
_____________________________________________________________________

VA REAL ESTATE MORTGAGE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO

BALANCE; REAL ESTATE MORTGAGE; FIXED RATE
WELLS FARGO HM MORTGAG 03/13 --- JOINT $ PAST DUE
7080264732165 04/13 10/09 177185 0 M1 38 0 0 0 CLOSED
RA11 UA11 UC11 QA11 QC11
_____________________________________________________________________

VA REAL ESTATE MORTGAGE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO

BALANCE; REAL ESTATE MORTGAGE
WELLS FARGO HM MORTGAG 11/09 --- JOINT $0 PAST DUE
4729675818 11/09 12/01 184330 0 M1 93 0 0 0 CLOSED
RA11 UA11 UC11 QA11 QC11
_____________________________________________________________________
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_______________________________________________________________________________
CREDIT INFORMATION

LAST HIGH NO PAST DUE REV PAID

CREDITOR/ DATE ACTV/ LIMIT/ MOS TIMES/DATES OR
ACCOUNT NO RPRTD OPND HI BAL BAL * RVD 30 60 90 PAY AMNT
===============================================================================
* = ACCOUNT OWNER/ACCOUNT TYPE

VA REAL ESTATE MORTGAGE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO

BALANCE; REAL ESTATE MORTGAGE; FIXED RATE
WELLS FARGO HOME MOR 09/16 --- JOINT $ PAST DUE
9360479645319 10/16 06/14 484595 0 M1 25 0 0 0 CLOSED
RA11 UA11 UC11 QA11 QC11
_____________________________________________________________________
===============================================================================
TOTALS HIGH LMT
HIGH BAL CUR BAL PASTDUE PAYMENT
148324
2080367 387484 0 3116
===============================================================================
_______________________________________________________________________________
CREDITOR INFORMATION

A+ FEDERAL CREDIT UN (512)302-6800

6420 E HWY 290, AUSTIN, TX 78723

A+ FEDERAL CREDIT UN (512)302-6800

6420 E HWY 290, AUSTIN, TX 78723

A+ FEDERAL CREDIT UN (512)302-6800

6420 E HWY 290, AUSTIN, TX 78723

A+ FEDERAL CREDIT UNIO (512)302-6800

6420 E HWY 290, AUSTIN, TX 78723

A+ FEDERAL CREDIT UNIO (512)302-6800

6420 E HWY 290, AUSTIN, TX 78723

AMERICAN EXPRESS (800)874-2717

PO BOX 297871, FORT LAUDERDALE, FL 33329

AMERICAN EXPRESS (800)874-2717

PO BOX 297871, FORT LAUDERDALE, FL 33329

AMEX DSNB (800)243-6552

9111 DUKE BLVD, MASON, OH 45040

AMEX/DSNB (800)243-6552
9111 DUKE BLVD, MASON, OH 45040

AQUA FINANCE INC (715)848-5425

1 CORPORATE DR, WAUSAU, WI 54401
CONTINUED ON NEXT PAGE
PALOMINO, ROGELIO 464-81-5610
PALOMINO STEPHANIE LEE 0 452-55-9240
DATE: 05/29/2019 PAGE 12 OF 15

_______________________________________________________________________________
CREDITOR INFORMATION

BARCLAYS BANK DELAWARE (888)232-0780

PO BOX 8803, WILMINGTON, DE 19899

BEST BUY/CBNA
50 NORTHWEST POINT ROAD, ELK GROVE VILLAGE, IL 60007

CAPITAL ONE / BEST B (800)695-6950

26525 N RIVERWOODS BLVD, METTAWA, IL 60045

CAPITAL ONE / BEST B (800)695-6950

26525 N RIVERWOODS BLVD, METTAWA, IL 60045

CAPITAL ONE BANK USA N (800)955-7070

15000 CAPITAL ONE DR, RICHMOND, VA 23238

CHASE AUTO (800)336-6675

PO BOX 901003, FT WORTH, TX 76101

CITICARDS CBNA
PO BOX 6190, SIOUX FALLS, SD 57117

CREDIT HUMAN FCU (210)258-1279

PO BOX 1356, SAN ANTONIO, TX 78295

DISCOVER FIN SVCS LLC (800)347-2683

PO BOX 15316, WILMINGTON, DE 19850

FIRST COMMUNITY CU O (281)856-5300

9100 WESTVIEW DR, HOUSTON, TX 77055

GATEWAY MORTGAGE GRP (918)712-9000

244 S GATEWAY PL, JENKS, OK 74037

HYUNDAI MOTOR FINANC (800)523-7020

4000 MACARTHUR BLVD STE, NEWPORT BEACH, CA 92660

MACY S/DSNB (800)243-6552

PO BOX 8218, MASON, OH 45040

MACY S/DSNB (800)243-6552

PO BOX 8218, MASON, OH 45040

MERCEDES-BENZ FINANC
36455 CORPORATE DR, FARMINGTON HILLS, MI 48331

NAVY FEDERAL CR UNION (888)842-6328

PO BOX 3700, MERRIFIELD, VA 22119

NAVY FEDERAL CR UNION (888)842-6328

PO BOX 3700, MERRIFIELD, VA 22119
CONTINUED ON NEXT PAGE
PALOMINO, ROGELIO 464-81-5610
PALOMINO STEPHANIE LEE 0 452-55-9240
DATE: 05/29/2019 PAGE 13 OF 15

_______________________________________________________________________________
CREDITOR INFORMATION

NAVY FEDERAL CR UNION (888)842-6328

PO BOX 3700, MERRIFIELD, VA 22119

NAVY FEDERAL CR UNION (888)842-6328

PO BOX 3700, MERRIFIELD, VA 22119

NAVY FEDERAL CR UNION (888)842-6328

PO BOX 3700, MERRIFIELD, VA 22119

NISSAN MOTOR ACCEPTANC (800)950-6622

PO BOX 660360, DALLAS, TX 75266

SUNTRUST BANK DBA LI (619)744-8100

600 W BROADWAY STE 2000, SAN DIEGO, CA 92101

SYNCB/JC PENNEYS (800)542-0800

PO BOX 965007, ORLANDO, FL 32896

SYNCB/ROOMS TO GO (866)396-8254
PO BOX 965036, ORLANDO, FL 32896

TEXELL CREDIT UNION (254)773-1604

17 S 1ST ST, TEMPLE, TX 76501

THD/CBNA
PO BOX 6497, SIOUX FALLS, SD 57117

WELLS FARGO BANK NV NA (800)869-3557

PO BOX 94435, ALBUQUERQUE, NM 87199

WELLS FARGO CARD SER (800)642-4720

PO BOX 14517, DES MOINES, IA 50306

WELLS FARGO HM MORTGAG (800)288-3212

8480 STAGECOACH CIR, FREDERICK, MD 21701

WELLS FARGO HM MORTGAG (800)288-3212

8480 STAGECOACH CIR, FREDERICK, MD 21701

WELLS FARGO HM MORTGAG (800)288-3212

8480 STAGECOACH CIR, FREDERICK, MD 21701

WELLS FARGO HOME MOR (800)288-3212

8480 STAGECOACH CIR, FREDERICK, MD 21701

_______________________________________________________________________________
OFAC

Applicant input name checked. No similar records found in OFAC's SDN

list.
Co-Applicant input name checked. No similar records found in OFAC's SDN
 list.
CONTINUED ON NEXT PAGE
PALOMINO, ROGELIO 464-81-5610
PALOMINO STEPHANIE LEE 0 452-55-9240
DATE: 05/29/2019 PAGE 14 OF 15

_______________________________________________________________________________
MISCELLANEOUS INFORMATION

AKA: PALOMINO, ROGER

UA11
AKA: KLEIN, STEPHANIE, L
UC11
PALOMINO, ROGELIO
RA11
FORMER NAME: KLEIN, STEPHANIE L
QC11
TRANSUNION HIGH RISK FRAUD ALERT WAS COMPLETED ON APPLICANT BY SEARCHING
APPLICANT'S NAME, SOCIAL SECURITY NUMBER AND ADDRESS. NO FRAUDULENT
ACTIVITY WAS FOUND.
UA11 UC11
_______________________________________________________________________________
REPOSITORY ADDRESS INFORMATION

15823 PONDEROSA, HELOTES, TX 78023-3685 --- 04/18 B/C

UA11 UC11
13635 SONORA BF, HELOTES, TX 78023-3639 --- 09/16 B/C
UA11 UC11
20202 CRESTA AVENIDA 2201, SAN ANTONIO, TX 78256-1703 --- 09/16 BOR
UA11
17026 SONOMA, SAN ANTONIO, TX 78255-3805 --- 08/14 COB
UC11
15823 PONDEROSA PASS, HELOTES, TX 78023-3685 04/18 10/18 B/C
RA11 QC11 QA11
13635 SONORA BLF, HELOTES, TX 78023-3639 10/16 04/17 B/C
RA11 QC11 QA11
20202 CRESTA AVENIDA APT 2201, SAN ANTONIO, TX 78256-1703 08/16 12/16 BOR
RA11
17026 SONOMA RDG, SAN ANTONIO, TX 78255 09/14 --- COB
QC11
20202 CRESTA AVENIDA APT 2201, SAN ANTONIO, TX 78256 09/16 --- BOR
QA11

_______________________________________________________________________________
REPOSITORY EMPLOYMENT INFORMATION

SELF EMPLOYED 10/18 10/18 BOR

UA11 RA11
CENTRAL MARKET --- --- BOR
UA11
ROUND ROCK ISD TEACHER --- --- COB
UC11
RRISD TEACHER 03/04 --- COB
UC11
HEB 01/16 01/16 BOR
RA11
KYRENE SCHOOL DIST --- --- COB
QC11
JOHN LISA --- --- COB
QC11
CONTINUED ON NEXT PAGE
PALOMINO, ROGELIO 464-81-5610
PALOMINO STEPHANIE LEE 0 452-55-9240
DATE: 05/29/2019 PAGE 15 OF 15

_______________________________________________________________________________
REPOSITORY EMPLOYMENT INFORMATION

LEARNING TREE --- --- COB

QC11
COSTCO WHOLESAL --- --- BOR
QA11

_______________________________________________________________________________
SUMMARY INFORMATION

OLDEST TRADELINE DATE.....................................10/1999

PUBLIC RECORDS..................................................0
NUMBER OF INQUIRIES IN LAST 120 DAYS:...........................1
NUMBER OF OPEN REVOLVING TRADES:................................9
NUMBER OF OPEN INSTALLMENT TRADES:..............................4
NUMBER OF BALANCE MONTHLY TRADES:...............................0
TOTAL NUMBER OF OPEN TRADES:...................................13
REVOLVING CREDIT LIMIT:..................................$148,324
REVOLVING HIGH BALANCE:..................................$108,260
INSTALLMENT HIGH BALANCE:..............................$1,972,107
BALANCE MONTHLY HIGH BALANCE:..................................$0
BALANCE MONTHLY OWED:..........................................$0
REVOLVING BALANCE OWED.....................................$4,887
INSTALLMENT BALANCE OWED.................................$382,597
TOTAL BALANCE OWED:......................................$387,484
OPEN REVOLVING PAYMENTS:.....................................$207
OPEN INSTALLMENT PAYMENTS:...................................2909
TOTAL OPEN PAYMENTS:.........................................3116
REVOLVING AMOUNT PAST DUE:......................................0
INSTALLMENT AMOUNT PAST DUE:....................................0
BALANCE MONTHLY AMOUNT PAST DUE:................................0
TOTAL AMOUNT PAST DUE:..........................................0
PAYMENTS 30 TO 59 DAYS LATE:....................................0
PAYMENTS 60 TO 89 DAYS LATE:....................................0
PAYMENTS 90 AND OVER DAYS LATE:.................................0
NUMBER OF COLLECTION TRADE LINES:...............................0
NUMBER OF BANKRUPTCY TRADE LINES:...............................0
NUMBER OF FORECLOSURE TRADE LINES:..............................0
NUMBER OF PROFIT AND LOSS TRADE LINES:..........................0
NUMBER OF REPOSSESSION TRADE LINES:.............................0
NUMBER OF ADVERSE TRADE LINES:..................................0
TOTAL NUMBER OF TRADELINES.....................................53

00DE7E6081A

END OF REPORT
 Your Credit Score and the Price You Pay for Credit

CORNERSTONE HOME LENDING, INC - 145 --------------------------------

4372 N LOOP 1604 WEST STE 300
|Request Date:|5/29/2019 |

SAN ANTONIO TX 78231 |-------------|----------------|

(210)340-4994
|Report ID: |K4406BXCE090111 |

--------------------------------
RETURN SERVICE REQUESTED

Rogelio Palomino
15823 Ponderosa Pass
Helotes, TX 78023

------------------------------------------------------------------------------
| Your Credit Score |
|----------------------------------------------------------------------------|
| Your Credit | 816 |
| Score | Source: Equifax Consumer Relations 5/29/2019 |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| What you should | Your credit score is a number that reflects the |
| know about | information in your credit report. |
| credit scores | |
| | 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 creditors. |
| | |
| | Your credit score can change, depending on how your |
| | credit history changes. |
|-----------------|----------------------------------------------------------|
| How we use your | Your credit score can affect whether you can get a loan |
| credit score | and how much you will have to pay for that loan. |
|-----------------|----------------------------------------------------------|
| The range of | |
| scores | Scores range from a low of 334 to a high of 818. |
| | |
| | Generally, the higher your score, the more likely you are|
| | to be offered better credit terms. |
|-----------------|----------------------------------------------------------|
| How your score | Equifax |
| compares to the | |
| scores of other | Your credit score ranks higher than [ 98 ] percent of |
| consumers | U.S. Consumers |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| Key factors that| Equifax |
| adversely | 30 TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT |
| affected your | 05 TOO MANY ACCOUNTS WITH BALANCES |
| credit score | 14 LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED |
| | 00 |

------------------------------------------------------------------------------
CONTINUED ON NEXT PAGE
------------------------------------------------------------------------------
| Checking Your Credit Report |
|----------------------------------------------------------------------------|
| What if there | You have a right to dispute any inaccurate information in|
| are mistakes in | your credit report. If you find mistakes on your credit |
| your credit | report, contact the consumer reporting agency. |
| report? | |
| | It is a good idea to check your credit report to make |
| | sure the information it contains is accurate. |
|-----------------|----------------------------------------------------------|
| How can you | Under Federal law, you have the right to obtain a free |
| obtain a copy of| copy of your credit report from each of the nationwide |
| your credit | consumer reporting agencies once a year. |
| report? | |
| | 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 |
| | |
| | Annual Credit Report Request Service |
| | P.O. Box 105281 |
| | Atlanta, GA 30348-5281 |
|-----------------|----------------------------------------------------------|
| How can you | For more information about credit reports and your rights|
| get more | under Federal law, visit the Consumer Financial |
| information? | Protection Bureau's website at |
| | www.consumerfinance.gov/learnmore. |
------------------------------------------------------------------------------

CONTINUED ON NEXT PAGE

 Notice to 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.

Equifax Consumer Relations

PO Box 740241
Atlanta, GA 30374
(800) 685-1111
www.equifax.com/fcra

H3-
2.4.8.0
 Your Credit Score and the Price You Pay for Credit

CORNERSTONE HOME LENDING, INC - 145 --------------------------------

4372 N LOOP 1604 WEST STE 300
|Request Date:|5/29/2019 |

SAN ANTONIO TX 78231 |-------------|----------------|

(210)340-4994
|Report ID: |K4406BXCE090111 |

--------------------------------
RETURN SERVICE REQUESTED

Stephanie LEE Palomino 0

15823 Ponderosa Pass
Helotes, TX 78023

------------------------------------------------------------------------------
| Your Credit Score |
|----------------------------------------------------------------------------|
| Your Credit | 787 |
| Score | Source: TransUnion Consumer Relations 5/29/2019 |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| What you should | Your credit score is a number that reflects the |
| know about | information in your credit report. |
| credit scores | |
| | 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 creditors. |
| | |
| | Your credit score can change, depending on how your |
| | credit history changes. |
|-----------------|----------------------------------------------------------|
| How we use your | Your credit score can affect whether you can get a loan |
| credit score | 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 | Transunion |
| compares to the | |
| scores of other | Your credit score ranks higher than [ 76 ] percent of |
| consumers | U.S. Consumers |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| Key factors that| Transunion |
| adversely | 030 Time since most recent account opening is too short |
| affected your | 012 Length of time revolving accounts have been established|
| | 003 Proportion of loan balances to loan amounts is too high|
| | 011 Amount owed on revolving accounts is too high |

| | FACTA: Inquiries impacted the credit score. |

------------------------------------------------------------------------------
CONTINUED ON NEXT PAGE
------------------------------------------------------------------------------
| Checking Your Credit Report |
|----------------------------------------------------------------------------|
| What if there | You have a right to dispute any inaccurate information in|
| are mistakes in | your credit report. If you find mistakes on your credit |
| your credit | report, contact the consumer reporting agency. |
| report? | |
| | It is a good idea to check your credit report to make |
| | sure the information it contains is accurate. |
|-----------------|----------------------------------------------------------|
| How can you | Under Federal law, you have the right to obtain a free |
| obtain a copy of| copy of your credit report from each of the nationwide |
| your credit | consumer reporting agencies once a year. |
| report? | |
| | 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 |
| | |
| | Annual Credit Report Request Service |
| | P.O. Box 105281 |
| | Atlanta, GA 30348-5281 |
|-----------------|----------------------------------------------------------|
| How can you | For more information about credit reports and your rights|
| get more | under Federal law, visit the Consumer Financial |
| information? | Protection Bureau's website at |
| | www.consumerfinance.gov/learnmore. |
------------------------------------------------------------------------------

CONTINUED ON NEXT PAGE

 Notice to 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.

TransUnion Consumer Relations

PO Box 1000
Chester, PA 19016-1000
(800) 916-8800
www.transunion.com/myoptions

H3-
2.4.8.0