PERSON NAME: EDWINPEREZ
PERSON SSN : 951-38-1105
FIRST NAME : :
LAST NAME : EDWINPEREZ
Source:
PERSON DOB : 07/07/1947
CARD; PAYMENT START DATE DEFERRED TO: 01/01/1990
JPMCB - CARD SERVICE 07/19 21600 IND $0 PAST DUE
0919 08/19 05/94 3769 25 R1 99 0 0 0 REV X $25
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________
CREDIT CARD; CREDIT CARD; AMOUNT IN H/C COLUMN IS CREDIT
LIMIT; PAYMENT START DATE DEFERRED TO: 01/01/1990
DISCOVER FIN SVCS LLC 07/19 15000 JOINT $0 PAST DUE
3834 08/19 10/86 794 8 R1 99 0 0 0 REV X $8
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________
AUTOMOBILE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE;
PAYMENT START DATE DEFERRED TO: 01/01/1990
CENTER ONE FINANCIAL 10/11 --- JOINT $0 PAST DUE
8410000000935524 10/11 10/05 36970 0 I1 73 0 0 0 CLOSED
RC11 UC11 QC11
_____________________________________________________________________
CONTINUED ON NEXT PAGE
PEREZ, EDWIN RAUL 121-38-1105
PEREZ MARIA DEL CARMEN 082-44-4034
DATE: 08/22/2019 PAGE 4 OF 10
_______________________________________________________________________________
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 LINE CLOSED - CONSUMER'S REQUEST -
REPORTED BY SUBSCRIBER; ACCOUNT CLOSED AT CONSUMER'S REQUEST;
CLOSED OR PAID ACCOUNT/ZERO BALANCE; PAYMENT START DATE
DEFERRED TO: 01/01/1990
CITICARDS CBNA 10/08 15600 IND $ PAST DUE
5679 04/10 08/76 2240 0 R1 99 0 0 0 CLOSED
RA11 RC11 QA11 QC11
_____________________________________________________________________
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;
PAYMENT START DATE DEFERRED TO: 01/01/1990
COMENITY BANK/BEALLSFL 04/19 1500 IND $0 PAST DUE
2505 04/19 11/13 203 0 R1 65 0 0 0 CLOSED
RC11 UC11 QC11
_____________________________________________________________________
AUTOMOBILE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE;
PAYMENT START DATE DEFERRED TO: 01/01/1990
HUNTINGTON NATIONAL 07/12 --- IND $ PAST DUE
20027933693 09/12 03/07 18327 0 I1 66 0 0 0 CLOSED
RC11 UC11 QC11
_____________________________________________________________________
CREDIT CARD; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE;
CREDIT CARD; PAYMENT START DATE DEFERRED TO: 01/01/1990
JPMCB - CARD SERVICE 01/14 30000 IND $0 PAST DUE
8790 03/14 01/08 --- 0 R1 74 0 0 0 CLOSED
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________
CONVENTIONAL MORTGAGE; CLOSED; FREDDIE MAC ACCOUNT; CLOSED OR
PAID ACCOUNT/ZERO BALANCE; FIXED RATE; PAYMENT START DATE
DEFERRED TO: 01/01/1990
JPMCB - HOME LENDING 07/19 --- JOINT $ PAST DUE
1561022916100 08/19 09/05 153100 0 M1 99 0 0 0 CLOSED
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________
CONTINUED ON NEXT PAGE
PEREZ, EDWIN RAUL 121-38-1105
PEREZ MARIA DEL CARMEN 082-44-4034
DATE: 08/22/2019 PAGE 5 OF 10
_______________________________________________________________________________
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;
PAYMENT START DATE DEFERRED TO: 01/01/1990
KOHLS/CAPITAL ONE 04/19 1500 JOINT $0 PAST DUE
5804 08/19 10/05 314 0 R1 99 0 0 0 REV X $0
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________
CREDIT CARD; ACCOUNT CLOSED AT CONSUMER'S REQUEST; CLOSED OR
PAID ACCOUNT/ZERO BALANCE
KOHLS/CHASE 12/03 1500 IND $ PAST DUE
1152 10/09 04/00 302 0 R1 99 0 0 0 CLOSED
QC11
_____________________________________________________________________
CREDIT CARD; CLOSED DUE TO INACTIVITY; INACTIVE ACCOUNT;
CLOSED OR PAID ACCOUNT/ZERO BALANCE; AMOUNT IN H/C COLUMN IS
CREDIT LIMIT; PAYMENT START DATE DEFERRED TO: 01/01/1990
SEARS/CBNA 09/16 2001 IND $0 PAST DUE
9444 10/17 04/77 1957 0 R1 99 0 0 0 CLOSED
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________
CHARGE ACCOUNT; CLOSED DUE TO INACTIVITY; INACTIVE ACCOUNT;
CLOSED OR PAID ACCOUNT/ZERO BALANCE; AMOUNT IN H/C COLUMN IS
CREDIT LIMIT; PAYMENT START DATE DEFERRED TO: 01/01/1990
SYNCB/CARE CREDIT 04/16 3000 IND $0 PAST DUE
6881 10/16 06/10 2521 0 R1 76 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________
CHARGE ACCOUNT; CLOSED OR PAID ACCOUNT/ZERO BALANCE; CHARGE
SYNCB/JC PENNEYS / --- --- IND $ PAST DUE
3066 04/17 11/93 286 0 R1 80 0 0 0 CLOSED
QC11
_____________________________________________________________________
CHARGE ACCOUNT; CLOSED OR PAID ACCOUNT/ZERO BALANCE; AMOUNT IN
H/C COLUMN IS CREDIT LIMIT
SYNCB/JC PENNEYS 07/08 124 IND $ PAST DUE
9939 05/17 05/05 214 0 R1 99 0 0 0 CLOSED
RC11 QC11
_____________________________________________________________________
CONTINUED ON NEXT PAGE
PEREZ, EDWIN RAUL 121-38-1105
PEREZ MARIA DEL CARMEN 082-44-4034
DATE: 08/22/2019 PAGE 6 OF 10
_______________________________________________________________________________
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;
PAYMENT START DATE DEFERRED TO: 01/01/1990
SYNCB/LOWES 06/18 12000 IND $0 PAST DUE
5375 08/19 01/13 1596 0 R1 79 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________
CHARGE ACCOUNT; CLOSED OR PAID ACCOUNT/ZERO BALANCE; AMOUNT IN
H/C COLUMN IS CREDIT LIMIT; PAYMENT START DATE DEFERRED TO:
01/01/1990
SYNCB/LOWES 12/05 224 JOINT $ PAST DUE
0242 09/15 06/03 4210 0 R1 99 0 0 0 CLOSED
QA11 QC11
_____________________________________________________________________
CREDIT CARD; CLOSED DUE TO INACTIVITY; CLOSED OR PAID
ACCOUNT/ZERO BALANCE; AMOUNT IN H/C COLUMN IS CREDIT LIMIT;
PAYMENT START DATE DEFERRED TO: 01/01/1990
TARGET NATIONAL BANK 02/08 8500 IND $ PAST DUE
8837 10/11 12/07 546 0 R1 46 0 0 0 CLOSED
RA11 QA11
_____________________________________________________________________
CHARGE ACCOUNT; CHARGE; AMOUNT IN H/C COLUMN IS CREDIT LIMIT;
PAYMENT START DATE DEFERRED TO: 01/01/1990
THD/CBNA 11/18 8000 IND $0 PAST DUE
0867 07/19 10/11 6030 0 R1 94 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________
STUDENT; ACCOUNT CLOSED DUE TO TRANSFER; ACCOUNT TRANSFERRED
OR SOLD; PAYMENT START DATE DEFERRED TO: 01/01/1990
WELLS FARGO EDUCATIO 05/10 --- CO-MAKER $0 PAST DUE
49148347 05/10 08/08 6515 0 I1 21 0 0 0 $ ---
UC11 QC11
_____________________________________________________________________
EDUCATIONAL; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE;
STUDENT LOAN; PAYMENT START DATE DEFERRED TO: 01/01/1990
WELLS FARGO EFS 09/18 --- CO-MAKER $0 PAST DUE
7628552362140001 09/18 08/08 6515 0 I1 99 0 0 0 CLOSED
RC11 UC11 QC11
_____________________________________________________________________
===============================================================================
TOTALS HIGH LMT
HIGH BAL CUR BAL PASTDUE PAYMENT
142549
273099 3230 0 412
===============================================================================
CONTINUED ON NEXT PAGE
PEREZ, EDWIN RAUL 121-38-1105
PEREZ MARIA DEL CARMEN 082-44-4034
DATE: 08/22/2019 PAGE 7 OF 10
_______________________________________________________________________________
CREDITOR INFORMATION
CENTER ONE FINANCIAL
PO BOX 91614, MOBILE, AL 36691
CITICARDS CBNA
PO BOX 6241, SIOUX FALLS, SD 57117
COMENITY BANK/BEALLSFL
PO BOX 182789, COLUMBUS, OH 43218
DISCOVER FIN SVCS LLC (800)347-2683
PO BOX 15316, WILMINGTON, DE 19850
HUNTINGTON NATIONAL (614)480-4862
7 EASTON OVAL, COLUMBUS, OH 43219
JPMCB - AUTO FINANCE (800)336-6675
PO BOX 901003, FT WORTH, TX 76101
JPMCB - CARD SERVICE (800)945-2000
PO BOX 15298, WILMINGTON, DE 19850
JPMCB - CARD SERVICE (800)945-2000
PO BOX 15298, WILMINGTON, DE 19850
JPMCB - HOME LENDING (800)848-9136
700 KANSAS LN, MONROE, LA 71203
KOHLS/CAPITAL ONE (800)564-5740
N56 W 17000 RIDGEWOOD DR, MENOMONEE FALLS, WI 53051
SEARS/CBNA (800)917-7700
PO BOX 6283, SIOUX FALLS, SD 57117
SYNCB/CARE CREDIT (937)534-6950
950 FORRER BLVD, KETTERING, OH 45420
SYNCB/JC PENNEYS (800)542-0800
PO BOX 965007, ORLANDO, FL 32896
SYNCB/JC PENNEYS (800)542-0800
PO BOX 965007, ORLANDO, FL 32896
SYNCB/LOWES (800)444-1408
PO BOX 965005, ORLANDO, FL 32896
TARGET NATIONAL BANK (888)755-5856
PO BOX 673, MINNEAPOLIS, MN 55440
THD/CBNA
PO BOX 6497, SIOUX FALLS, SD 57117
CONTINUED ON NEXT PAGE
PEREZ, EDWIN RAUL 121-38-1105
PEREZ MARIA DEL CARMEN 082-44-4034
DATE: 08/22/2019 PAGE 8 OF 10
_______________________________________________________________________________
CREDITOR INFORMATION
UNIVERSAL CARD CBNA
PO BOX 6241, SIOUX FALLS, SD 57117
WELLS FARGO EFS (800)658-3567
PO BOX 84712, SIOUX FALLS, SD 57118
_______________________________________________________________________________
OFAC
Name: EDWIN PEREZ
Source: BX1
Applicant input name checked. No similar records found in OFAC's watch
list.
OFAC NO RECORD FOUND
Name: MARIA PEREZ
Source: CX1
Co-Applicant input name checked. No similar records found in OFAC's watch
list.
OFAC NO RECORD FOUND
_______________________________________________________________________________
MISCELLANEOUS INFORMATION
AKA: MUNOZ, MARIA, D
AKA: PROSCIA, MARIA
UC11
FORMER NAME: PREZ, MARIA D
FORMER NAME: PEREZ, MARIA C
FORMER NAME: MUNOZ, MARIA D
QC11
SIMILAR NAME: PEREZ, MARIA C
RC11
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
FACTA: ADDRESS MISMATCH ALERT: INPUT ADDRESS DID NOT MATCH THE BEST
ADDRESS ON FILE.
RA11 RC11
_______________________________________________________________________________
REPOSITORY ADDRESS INFORMATION
5356 HARMONY PL, KISSIMMEE, FL 34758-2283 12/03 08/03 B/C
UA11 UC11 QA11 RA11 QC11 RC11
137410 PO BOX 137410, CLERMONT, FL 34713-7410 --- 08/19 B/C
UA11 UC11
7185 HALF MOON LAKE DR, WINTER GARDEN, FL 34787-0036 08/19 08/19 B/C
UA11 QA11 RA11 RC11
16 CLARA CT, CORTLANDT MANOR, NY 10567-1541 06/93 05/07 B/C
UC11 QA11 QC11
CONTINUED ON NEXT PAGE
PEREZ, EDWIN RAUL 121-38-1105
PEREZ MARIA DEL CARMEN 082-44-4034
DATE: 08/22/2019 PAGE 9 OF 10
_______________________________________________________________________________
REPOSITORY ADDRESS INFORMATION
PO BOX 137410, CLERMONT, FL 34713-7410 08/19 08/19 B/C
RA11 QC11 RC11
_______________________________________________________________________________
REPOSITORY EMPLOYMENT INFORMATION
MUNICIPAL HOUSNG AUTHORITY MAINTENANCE --- --- BOR
UA11
ADVANCED ALLIANCE --- --- COB
UC11
MUNICIPAL HOUSING AU MECHANIC --- --- BOR
QA11
MUNICIPAL HOUSING AUTH 02/97 02/97 BOR
RA11
U K 05/94 05/94 BOR
RA11
HEP --- --- COB
QC11
H I P GREATER NY 03/93 03/93 COB
RC11
_______________________________________________________________________________
SUMMARY INFORMATION
OLDEST TRADELINE DATE.....................................08/1976
PUBLIC RECORDS..................................................0
NUMBER OF INQUIRIES IN LAST 120 DAYS:...........................1
NUMBER OF OPEN REVOLVING TRADES:................................7
NUMBER OF OPEN INSTALLMENT TRADES:..............................1
NUMBER OF BALANCE MONTHLY TRADES:...............................0
TOTAL NUMBER OF OPEN TRADES:....................................8
REVOLVING CREDIT LIMIT:..................................$142,549
REVOLVING HIGH BALANCE:...................................$32,856
INSTALLMENT HIGH BALANCE:................................$240,243
BALANCE MONTHLY HIGH BALANCE:..................................$0
BALANCE MONTHLY OWED:..........................................$0
REVOLVING BALANCE OWED.....................................$1,597
INSTALLMENT BALANCE OWED...................................$1,633
TOTAL BALANCE OWED:........................................$3,230
OPEN REVOLVING PAYMENTS:......................................$83
OPEN INSTALLMENT PAYMENTS:....................................329
TOTAL OPEN PAYMENTS:..........................................412
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
CONTINUED ON NEXT PAGE
PEREZ, EDWIN RAUL 121-38-1105
PEREZ MARIA DEL CARMEN 082-44-4034
DATE: 08/22/2019 PAGE 10 OF 10
_______________________________________________________________________________
SUMMARY INFORMATION
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.....................................23
00B550B515F5
END OF REPORT
Your Credit Score and the Price You Pay for Credit
VELOCIO MORTGAGE L.L.C. --------------------------------
4372 N LOOP 1604 WEST, STE 200
|Request Date:|8/22/2019 |
SAN ANTONIO TX 78249 |-------------|----------------|
(210)971-6105
|Report ID: |K4406BXC20E8157 |
--------------------------------
RETURN SERVICE REQUESTED
Edwin RAUL Perez
5356 Harmony Place
Kissimmee, FL 34758
------------------------------------------------------------------------------
| Your Credit Score |
|----------------------------------------------------------------------------|
| Your Credit | 802 |
| Score | Source: Equifax Consumer Relations 8/22/2019 |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| 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 [ 84 ] percent of |
| consumers | U.S. Consumers |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| Key factors that| Equifax |
| adversely | 08 TOO MANY INQUIRIES LAST 12 MONTHS |
| affected your | 11 AMOUNT OWED ON REVOLVING ACCOUNT IS TOO HIGH |
| credit score | 32 LACK OF RECENT INFORMATION LOAN INFORMATION |
| | 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
VELOCIO MORTGAGE L.L.C. --------------------------------
4372 N LOOP 1604 WEST, STE 200
|Request Date:|8/22/2019 |
SAN ANTONIO TX 78249 |-------------|----------------|
(210)971-6105
|Report ID: |K4406BXC20E8157 |
--------------------------------
RETURN SERVICE REQUESTED
Maria DEL CARMEN Perez
5356 Harmony Place
Kissimmee, FL 34758
------------------------------------------------------------------------------
| Your Credit Score |
|----------------------------------------------------------------------------|
| Your Credit | 812 |
| Score | Source: TransUnion Consumer Relations 8/22/2019 |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| 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 [ 95 ] percent of |
| consumers | U.S. Consumers |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| Key factors that| Transunion |
| adversely | 008 Too many inquiries last 12 months |
| affected your | 014 Length of time accounts have been established |
| credit score | 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
