14913
Uploaded by
alicewilliams83n14913
Uploaded by
alicewilliams83nPERSON NAME: TAYS, STEPHEN GARY
PERSON SSN : 735-60-3849
FIRST NAME : TAYS
LAST NAME : STEPHEN GARY
PERSON DOB : 08/26/54
PERSON ADRESS: 1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
PERSON SCORE: 818
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SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
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C C CAP1/BSTBY 07/09 $0 PAID
169601******31786 REV 04/04 $0 63 0 0 0
10/04 $0 EF
J J CHASE AUTO 084 12/13 $46704 PAID
10636017425801 AUTO 12/06 $0 85 0 0 0
12/13 $0 XP/TU/EF
12/13:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B CONN CREDI 36 10/15 $4972 PAID
374588931 INST 01/11 $0 57 0 0 0
10/13 $0 XP/TU/EF
11/13: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: SECURED;
B B CONN CREDI 18 07/10 $1188 PAID
374588930 INST 10/09 $0 09 0 0 0
04/10 $0 XP/TU/EF
04/10: -CCCCCCCCC
B B CONNS CREDIT CORP 09/12 $2000 PAID
269435*** REV 05/07 $0 64 0 0 0
03/09 $0 XP/EF
09/12:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B FIRST ELECTRONIC BANK 05/11 $4200 PAID
504926****** REV 09/05 $0 69 0 0 0
02/09 $0 XP
05/11:
-CCC-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC--CC
J J FTH3RD BK 84 05/12 $44762 PAID
863585931 AUTO 10/06 $0 67 0 0 0
04/12 $0 XP/TU/EF
04/12:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
J J KOHLS/CAPONE 11/11 $500 PAID
328868***** REV 10/01 $0 99 0 0 0
05/08 $0 XP/EF
11/11:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CLOSED DUE TO INACTIVITY;
Page: 5/14
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APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
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B B REGION/AMS 072 03/19 $55940 PAID
00001716000000009004591009 07/16 $0 33 0 0 0
03/19 $0 XP/TU/EF
03/19: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B SYNCB/CARECR 03/18 $5500 INACTIVE
601918******2770 REV 05/09 $0 82 0 0 0
12/13 $0 XP/TU/EF
03/18:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: INACTIVE ACCOUNT;
B J SYNCB/CHEVRO 12/17 $1024 INACTIVE
706159****** REV 09/05 $0 82 0 0 0
07/14 $0 XP/TU/EF
12/17:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: INACTIVE ACCOUNT;
C C SYNCB/STMRTD 12/18 $1024 INACTIVE
514863******1159 REV 03/16 $0 33 0 0 0
07/16 $0 XP/TU/EF
12/18: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: INACTIVE ACCOUNT;
B B SYNCB/WALMAR 02/16 $124 PAID
603220****** REV 12/05 $0 82 0 0 0
10/10 $0 XP/TU/EF
02/16:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CLOSED;
C C UNITED HER 72 05/11 $30699 PAID
2236380000 AUTO 09/02 $0 99 0 0 0
01/07 $0 EF
J J WFHE 06/18 $39000 PAID
65065090479941998 MTG 02/09 $0 82 0 0 0
04/18 $- XP/TU/EF
06/18:
---CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER; HOME EQUITY LOAN;
Page: 6/14
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APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
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J J WFHM 240 05/18 $101000 PAID
7080095090643 MTG 02/09 $0 99 0 0 0
04/18 $0 XP/TU/EF
05/18:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FREDDIE MAC ACCOUNT; FIXED RATE;
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O T H E R C R E D I T H I S T O R Y
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*** NO RECORD FOUND ***
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A L I A S V A R I A T I O N S
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STEPHEN G TAYS 585603849 DOB: 08/26/54
STEVE TAYS 585603849 DOB: N/A
NANCY J TAYS 527704918 DOB: 05/19/52
TAYS NANCY JEAN 527704918 DOB: N/A
NANCY JEAN FOSTER 527704918 DOB: N/A
STEPHEN G TAYS
TAYES,STEPHEN,GARY
DOB: 08/26/54
NANCY JEAN TAYS
FOSTER,NANCY
DOB: 05/19/52
STEPHEN G TAYS DOB: 08/26/54
STEPHEN G TAYS
NANCY JEAN TAYS DOB: 05/19/52
NANCY J TAYS
NANCY JEAN FOSTER
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I N Q U I R I E S ( L A S T 1 2 0 D A Y S )
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XP/TU 03/19/19 CDK/TOWN EAST FORD SAL AUTOMOTIVE
XP 03/19/19 PNC BANK BANKING
TU 03/19/19 SUNTRUST ATL BANKING
EF 03/19/19 TWNEASFORD AUTOMOTIVE
EF 03/19/19 CHASE AUTO BANKING
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A D D R E S S V A R I A T I O N S
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5306 VIRBURNUM CT, ARLINGTON, TX 76018-1653 04/95 -
09/97
2670 CLAREMONT DR, GRAND PRAIRIE, TX 75052-3805 01/97
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 03/98 -
08/18
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 03/98 -
08/18
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 01/04
11066 PECAN PARK BV #D407, CEDAR PARK, TX 78613-1515
Page: 7/14
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APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
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02/04
11066 PECAN PARK BLVD STE 113, CEDAR PARK, TX 78613
02/04 - 03/11
11066 PECAN PARK BLVD STE 113, CEDAR PARK, TX 78613
02/04 - 09/09
1425 SPIDERLILY VW, CEDAR PARK, TX 78613 03/04 -
04/19
AUSTIN, TX 09/04
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 07/05
1425 SPIDERLILY VW, CEDAR PARK, TX 78613 07/05 -
04/19
917 CHALLENGER ST, LAKEWAY, TX 78734 07/05 - 09/09
914 W WASCHER DR #2, URBANA, IL 61801-1535 03/06
1425 SPIDERVIEW, CEDAR PARK, TX 78613 05/07
903 US HIGHWAY 80 E APT 1201, MESQUITE, TX 75150-5743
02/15
1515 N TOWN EAST B STE 138-292, MESQUITE, TX 75150-4142
01/16 - 03/16
1515 N TOWN EAST BLVD STE 138-292, MESQUITE, TX 75150
01/16 - 07/16
345 BARNES BRIDGE RD, SUNNYVALE, TX 75182-9107 08/18
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E M P L O Y M E N T V A R I A T I O N S
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CITY OF IRVING LIBRARY// 12/95
CITY OF AUSTIN// 12/06
AMERICAN RENTAL ASSOCIATE/REGIONAL TECH MNGR/ 07/14
AMERICAN RENAL// 01/15
AMERICAN RENTAL ASSOCIATE// 07/16
AMERICAN RENTAL/REGIONAL TECH MNGR/
AMERICAN/REGIONAL TECHNICAL MANAGER/
FRESENIUS MEDICAL C/TECH SUPERVISOR/
CITY OF AUSTIN/LIBRARIAN/
CITY OF IRVING//
RENAL CARE GROUP/AREA TECHNICAL MANAG/
CITY OF AUSTIN//
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R E M A R K S
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CONSUMER STATEMENT: DO NOT CONFUSE WITH CONSUMERS OF SIMILAR
IDENTIFICATION. VERIFY ALL IDENTIFYING INFORMATION.
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A L E R T
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STEPHEN G TAYS YOB: 1954
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED
NANCY J TAYS YOB: 1952
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED
Page: 8/14
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APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
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T U I D V I S I O N A L E R T
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TAYS, STEPHEN GARY 585-60-3849
REMARK: AVAILABLE AND CLEAR
TAYS, NANCY J 527-70-4918
REMARK: AVAILABLE AND CLEAR
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C R E D I T O R S
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- 5TH 3RD BK [TU] 800-972-3030
38 FOUNTAIN SQ PL,CINCINNATI, OH 45202
- ally fin [MANUAL] 800-200-4622
,
- ally financial [XP] 800-200-4622
,
- ALLY FINANCIAL [XP] 800-200-4622
200 RENAISSANCE CTR,DETROIT, MI 48243
- ALLY FINCL [TU] 800-925-2559
P.O. BOX 380901,BLOOMINGTON, MN 55438
- AMSOUTH BANK NA [XP/EF] 205-750-2652
P O BOX 11007,BIRMINGHAM AL 35288
- AMSOUTH BK [TU] 800-896-6513
720 NORTH 39TH STR,BIRMINGHAM AL 35222
- bank of america [XP] 800-759-6262
,
- BANK OF AMERICA [XP/EF] 800-215-6195
9000 SOUTHSIDE BLVD BLDG,JACKSONVILLE, FL 32256
- BANK OF THE WEST [XP/TU/EF] 800-843-2327
1450 TREAT BLVD,WALNUT CREEK CA 94597
- BANKAMERICA [TU] 800-215-6195
P.O. BOX 2240,BREA, CA 92822
- CB/SPMNSGV [TU]
PO BOX 182789,COLUMBUS, OH 43218
- CBNA/SEARS [XP] 800-669-8488
13200 SMITH RD,CLEVELAND, OH 44130
- CBUSASEARS [EF] 800-669-8488
13200 SMITH ROAD,CLEVELAND, OH 44130
- CHASE [XP/TU/EF] 800-336-6675
950 CORBINDALE,HOUSTON, TX 77252
- CHASE AUTO [TU] 800-336-6675
P.O. BOX 901003 CREDIT BUREAU DISPUTE PROCESSG,FORT WORTH, TX
- CITI CARDS CBSDNA [TU] 800-843-0777
POB 6241,SIOUX FALLS, SD 57117
- CITI-SHELL [TU] 800-331-3703
P O BOX 15687,WILMINGTON DE 19850
- CONNS [TU/EF] 409-832-1696
BOX 2356,BEAUMONT TX 77704
- CONNS CREDIT CORP [XP] 800-511-5750
PO BOX 2358,BEAUMONT TX 77704
Page: 9/14
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APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
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- Credit Plus [TU/EF] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- EXXMBLCITI [MANUAL] 800-344-4355
,
- FIFTH THIRD BANK [XP/EF] 800-972-3030
FIFTH THIRD CENTER,CINCINNATI OH 45263
- FIRST ELECTRONIC BANK [XP] 801-572-4004
2150 S 1300 E STE 400,SALT LAKE CITY, UT 84106
- FRSTBANK [EF] 801-572-4004
11781 S. LONE PEAK PKWY #135,DRAPER, UT 84020
- GE MONEY BANK/CHEVRON [XP] 800-243-8766
,
- GECRB/LOWBRC [MANUAL] 800-444-1408
,
- GECRB/STEIN MART DC [XP/EF] 866-864-2149
PO BOX 981416,EL PASO, TX 79998
- GECRB/WALMART [XP/TU] 877-294-7880
PO BOX 965024,ORLANDO, FL 32896
- GEMB/CHEVRON PLCC [EF] 800-243-8766
,
- GEMB/HAVERTYS [EF] 866-396-8254
,
- GEMB/JC PENNEYS [EF] 800-542-0800
,
- GEMB/LOWES [XP/EF] 800-444-1408
PO BOX 103065,ROSWELL GA 30076
- GEMB/WALMART [EF] 800-957-0832
,
- HSBC/BSTBY [EF] 800-365-0292
1405 FOULK ROAD,WILMINGTON, DE 19808
- KOHLS/CAP1 [EF] 800-564-5740
,
- kohls/capone [XP] 800-564-5740
,
- MBGA/JC PENNEY [XP] 800-542-0800
PO BOX 981131,EL PASO TX 79998
- MBNA AMERICA [TU] 800-421-2110
PO BOX 17054,WILMINGTON DE 19884
- PNC BANK [XP] BYMAILONLY
2730 LIBERTY AVE,PITTSBURGH, PA 15222
- SEARS/CBNA [TU] 800-669-8488
PO BOX 6282,SIOUX FALLS, SD 57117
- SHELL/CITI [EF] 800-331-3703
PO BOX 15687,WILMINGTON DE 19850
- SYNCB/CHEVRO [TU] 800-243-8766
P.O BOX 965015,ORLANDO, FL 32896
- SYNCB/HAVERT [TU] 866-396-8254
C/O PO BOX 965036,ORLANDO, FL 32896
- SYNCB/JCP [TU] 866-227-5213
PO BOX 965007,ORLANDO, FL 32896
- SYNCB/STMRTD [TU] 866-864-2149
PO BOX 965005,ORLANDO, FL 32896
- UNITED HER [EF] 512-435-4545
2315 WEST BEN WHITE,AUSTIN TX 78704
Page: 10/14
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APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
- WELLS FARGO [TU] 888-667-6059
P O BOX 10438,DES MOINES, IA 50306
- WELLS FARGO BANK NV NA [XP] 888-667-6059
,
- WELLS FARGO HM MORTGAG [XP] 800-262-5294
7495 NEW HORIZON WAY,FREDERICK, MD 21703
- WELLS FARGO HOME MOR [EF] p#800-262-52
4680 HALLMARK PARKWAY X0701-01K,SAN BERNARDINO, CA 92407
- WELLSFARGO [EF] 800-262-5294
3476 STATEVIEW BLVD,FORT MILL SC 29715
- WELSHMQTY [EF] 888-667-6059
4455 ARROWSWEST DRIVE,COLORADO SPRINGS, CO 80907
- WFB-NE [TU/EF] 800-850-8402
4800 NW 1ST STREET SUITE 300,LINCOLN, NE 68521
- WFHM [MANUAL] 800-262-5294
,
- WFNNB/SPRTSMNGUIDEVISA [XP] 888-252-5557
134 CAPITOL DRIVE,WEST SPRINGFIELD MA 01089
- WORLDS FOREMOST BANK N [XP] 800-850-8402
4800 NW 1ST ST STE 300,LINCOLN, NE 68521
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T R A D E S U M M A R Y
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# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 3 93990 102600 1703 0
AUTO 6 87054 93738 664 0
EDUCATION 0 0 0 0 0
OTHER INSTALLM 4 0 0 0 0
OPEN 0 0 0 0 0
REVOLVING 21 18371 138851 430 0
OTHER 0 0 0 0 0
TOTAL 34 199415 335189 2797 0
SECURED DEBT 181044 HIGH CREDIT 335189
UNSECURED DEBT 18371 REV CREDIT UTILIZATION 13%
OLDEST TRADE 04/89 TOTAL DEBT/HIGH CREDIT 59%
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D E R O G A T O R Y S U M M A R Y
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CHARGE OFFS 0 30 DAYS 1 INQUIRIES 5
COLLECTIONS 0 60 DAYS 0 DISPUTES 0
BANKRUPTCY 0 90 DAYS 0
PUBLIC RECORDS 0 OTHER 0
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S O U R C E O F I N F O R M A T I O N
-------------------------------------------------------------------
1 - EXPERIAN
STEPHEN G TAYS 585603849 DOB: 08/26/54
STEVE TAYS 585603849 DOB: N/A
585-60-3849
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 03/98 -
08/18
Page: 11/14
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APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
1515 N TOWN EAST B STE 138-292, MESQUITE, TX 75150-4142
01/16 - 03/16
903 US HIGHWAY 80 E APT 1201, MESQUITE, TX 75150-5743
02/15
AMERICAN RENTAL ASSOCIATE// 07/16
AMERICAN RENAL// 01/15
2 - EXPERIAN
NANCY J TAYS 527704918 DOB: 05/19/52
TAYS NANCY JEAN 527704918 DOB: N/A
NANCY JEAN FOSTER 527704918 DOB: N/A
527-70-4918
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 03/98 -
08/18
5306 VIRBURNUM CT, ARLINGTON, TX 76018-1653 04/95 -
09/97
2670 CLAREMONT DR, GRAND PRAIRIE, TX 75052-3805 01/97
CITY OF AUSTIN// 12/06
CITY OF IRVING LIBRARY// 12/95
3 - TRANSUNION
STEPHEN G TAYS
TAYES,STEPHEN,GARY
DOB: 08/26/54
585-60-3849
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 01/04
914 W WASCHER DR #2, URBANA, IL 61801-1535 03/06
345 BARNES BRIDGE RD, SUNNYVALE, TX 75182-9107 08/18
AUSTIN, TX 09/04
AMERICAN RENTAL ASSOCIATE/REGIONAL TECH MNGR/ 07/14
RENAL CARE GROUP/AREA TECHNICAL MANAG/
4 - TRANSUNION
NANCY JEAN TAYS
FOSTER,NANCY
DOB: 05/19/52
527-70-4918
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 07/05
1425 SPIDERVIEW, CEDAR PARK, TX 78613 05/07
11066 PECAN PARK BV #D407, CEDAR PARK, TX 78613-1515
02/04
CITY OF AUSTIN//
5 - EQUIFAX
STEPHEN G TAYS DOB: 08/26/54
STEPHEN G TAYS
585-60-3849
1425 SPIDERLILY VW, CEDAR PARK, TX 78613 03/04 -
04/19
1515 N TOWN EAST BLVD STE 138-292, MESQUITE, TX 75150
01/16 - 07/16
11066 PECAN PARK BLVD STE 113, CEDAR PARK, TX 78613
02/04 - 03/11
AMERICAN RENTAL/REGIONAL TECH MNGR/
AMERICAN/REGIONAL TECHNICAL MANAGER/
Page: 12/14
-------------------------------------------------------------------
APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
FRESENIUS MEDICAL C/TECH SUPERVISOR/
6 - EQUIFAX
NANCY JEAN TAYS DOB: 05/19/52
NANCY J TAYS
NANCY JEAN FOSTER
527-70-4918
1425 SPIDERLILY VW, CEDAR PARK, TX 78613 07/05 -
04/19
11066 PECAN PARK BLVD STE 113, CEDAR PARK, TX 78613
02/04 - 09/09
917 CHALLENGER ST, LAKEWAY, TX 78734 07/05 - 09/09
CITY OF AUSTIN/LIBRARIAN/
CITY OF IRVING//
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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-418B86
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 48071112 and password AV-418B86 to view the
report. For any inquiries regarding this report or services
provided by CREDIT PLUS 2 please contact us at (800) 258-3488.
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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
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
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T R E N D S U M M A R Y
-------------------------------------------------------------------
Page: 13/14
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APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
*** END OF REPORT 4/29/2019 6:24:03 AM ***
Page: 14/14
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 141 REPORT #: 48071112
6203 COLLEYVILLE BLVD STE 200 REFERENCE #: 1410008433
COLLEYVILLE, TX 76034
8173100823
RETURN SERVICE REQUESTED
STEPHEN GARY TAYS
1425 SPIDERLILY VIEW
CEDAR PARK, TX 78613
=================================================================
YOUR CREDIT SCORE - 789
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 73 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TOO MANY INQUIRIES LAST 12 MONTHS
* NUMBER OF ACCOUNTS WITH DELINQUENCY
* PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL
REVOLVING ACCOUNTS
* TOO MANY ACCOUNTS RECENTLY OPENED
Page: 1/18
=================================================================
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
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: 2/18
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: 3/18
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 141 REPORT #: 48071112
6203 COLLEYVILLE BLVD STE 200 REFERENCE #: 1410008433
COLLEYVILLE, TX 76034
8173100823
RETURN SERVICE REQUESTED
NANCY J TAYS
1425 SPIDERLILY VIEW
CEDAR PARK, TX 78613
=================================================================
YOUR CREDIT SCORE - 818
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 90 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL
REVOLVING ACCOUNTS
* TOO MANY ACCOUNTS WITH BALANCES
* TOO MANY ACCOUNTS RECENTLY OPENED
Page: 4/18
=================================================================
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
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: 5/18
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: 6/18
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 141 REPORT #: 48071112
6203 COLLEYVILLE BLVD STE 200 REFERENCE #: 1410008433
COLLEYVILLE, TX 76034
8173100823
RETURN SERVICE REQUESTED
STEPHEN GARY TAYS
1425 SPIDERLILY VIEW
CEDAR PARK, TX 78613
=================================================================
YOUR CREDIT SCORE - 765
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 64 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
* PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
* INQUIRIES IMPACTED THE CREDIT SCORE
Page: 7/18
=================================================================
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
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: 8/18
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: 9/18
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 141 REPORT #: 48071112
6203 COLLEYVILLE BLVD STE 200 REFERENCE #: 1410008433
COLLEYVILLE, TX 76034
8173100823
RETURN SERVICE REQUESTED
NANCY J TAYS
1425 SPIDERLILY VIEW
CEDAR PARK, TX 78613
=================================================================
YOUR CREDIT SCORE - 791
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 78 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
* TOO MANY ACCOUNTS WITH BALANCES
Page: 10/18
=================================================================
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
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: 11/18
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: 12/18
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 141 REPORT #: 48071112
6203 COLLEYVILLE BLVD STE 200 REFERENCE #: 1410008433
COLLEYVILLE, TX 76034
8173100823
RETURN SERVICE REQUESTED
STEPHEN GARY TAYS
1425 SPIDERLILY VIEW
CEDAR PARK, TX 78613
=================================================================
YOUR CREDIT SCORE - 768
Source: EQUIFAX Date: 04/29/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA
=================================================================
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 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 compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 66 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* LEVEL OF DELINQUENCY ON ACCOUNTS
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
Page: 13/18
* NUMBER OF INQUIRIES ADVERSELY AFFECTED THE SCORE, BUT NOT
SIGNIFICANTLY
=================================================================
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
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: 14/18
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: 15/18
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 141 REPORT #: 48071112
6203 COLLEYVILLE BLVD STE 200 REFERENCE #: 1410008433
COLLEYVILLE, TX 76034
8173100823
RETURN SERVICE REQUESTED
NANCY J TAYS
1425 SPIDERLILY VIEW
CEDAR PARK, TX 78613
=================================================================
YOUR CREDIT SCORE - 787
Source: EQUIFAX Date: 04/29/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA
=================================================================
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 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 compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 75 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* TOO MANY ACCOUNTS WITH BALANCES
Page: 16/18
=================================================================
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
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: 17/18
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: 18/18
CORNERSTONE HOME LENDING INC - 141
6203 COLLEYVILLE BLVD STE 200
COLLEYVILLE, TX 76034
8173100823
NOTICE TO THE HOME LOAN APPLICANT
CREDIT SCORE INFORMATION DISCLOSURE
TAYS, STEPHEN GARY
1425 SPIDERLILY VIEW
CEDAR PARK, TX 78613
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 : TAYS, STEPHEN GARY
Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 768 Range: 334-818
Key Factors affecting the score:
- LEVEL OF DELINQUENCY ON ACCOUNTS
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
- PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
- NUMBER OF INQUIRIES ADVERSELY AFFECTED THE SCORE, BUT NOT
SIGNIFICANTLY
Applicant : TAYS, STEPHEN GARY
Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 765 Range: 309-839
Key Factors affecting the score:
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
- LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
- PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
- INQUIRIES IMPACTED THE CREDIT SCORE
Applicant : TAYS, STEPHEN GARY
Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 789 Range: 300-850
Key Factors affecting the score:
- TOO MANY INQUIRIES LAST 12 MONTHS
- NUMBER OF ACCOUNTS WITH DELINQUENCY
- PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR
ALL REVOLVING ACCOUNTS
- TOO MANY ACCOUNTS RECENTLY OPENED
Borrower Signature _________________________________________ Date
__________
Page: 2/2
CORNERSTONE HOME LENDING INC - 141
6203 COLLEYVILLE BLVD STE 200
COLLEYVILLE, TX 76034
8173100823
NOTICE TO THE HOME LOAN APPLICANT
CREDIT SCORE INFORMATION DISCLOSURE
TAYS, NANCY J
1425 SPIDERLILY VIEW
CEDAR PARK, TX 78613
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 : TAYS, NANCY J
Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 787 Range: 334-818
Key Factors affecting the score:
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
- TOO MANY ACCOUNTS WITH BALANCES
Applicant : TAYS, NANCY J
Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 791 Range: 309-839
Key Factors affecting the score:
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
- PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
- TOO MANY ACCOUNTS WITH BALANCES
Applicant : TAYS, NANCY J
Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 818 Range: 300-850
Key Factors affecting the score:
- PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR
ALL REVOLVING ACCOUNTS
- TOO MANY ACCOUNTS WITH BALANCES
- TOO MANY ACCOUNTS RECENTLY OPENED
Borrower Signature _________________________________________ Date
__________
Page: 2/2
-------------------------------------------------------------------
APPLICANT:TAYS, STEPHEN GARY CO-APP:TAYS, NANCY J
SSN :585-60-3849 CO-SSN:527-70-4918
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
S C O R E M O D E L S
-------------------------------------------------------------------
STEPHEN G TAYS - 585603849
EQUIFAX/FICO CLASSIC V5 FACTA 768
00002 - LEVEL OF DELINQUENCY ON ACCOUNTS
00030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
00011 - AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
00010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH
ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS
FA - NUMBER OF INQUIRIES ADVERSELY AFFECTED THE SCORE, BUT
NOT SIGNIFICANTLY
STEPHEN G TAYS - 585603849
TRANSUNION/FICO CLASSIC (04) 765
030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
011 - AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
012 - LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
003 - PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
FA - INQUIRIES IMPACTED THE CREDIT SCORE
STEPHEN G TAYS - 585603849
EXPERIAN/FAIR, ISAAC (VER. 2) 789
08 - TOO MANY INQUIRIES LAST 12 MONTHS
18 - NUMBER OF ACCOUNTS WITH DELINQUENCY
10 - PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING
OR ALL REVOLVING ACCOUNTS
09 - TOO MANY ACCOUNTS RECENTLY OPENED
NANCY JEAN TAYS - 527704918
EQUIFAX/FICO CLASSIC V5 FACTA 787
00030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
00010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH
ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS
00011 - AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
00005 - TOO MANY ACCOUNTS WITH BALANCES
NANCY JEAN TAYS - 527704918
TRANSUNION/FICO CLASSIC (04) 791
030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
011 - AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON
BANK REVOLVING OR OTHER REVOLVING ACCOUNTS
005 - TOO MANY ACCOUNTS WITH BALANCES
NANCY J TAYS - 527704918
EXPERIAN/FAIR, ISAAC (VER. 2) 818
10 - PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING
OR ALL REVOLVING ACCOUNTS
05 - TOO MANY ACCOUNTS WITH BALANCES
Page: 1/14
-------------------------------------------------------------------
APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
09 - TOO MANY ACCOUNTS RECENTLY OPENED
-------------------------------------------------------------------
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
-------------------------------------------------------------------
E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
-------------------------------------------------------------------
B B COMENITYBK/SGUIDEVS 02/18 $1500 PD WAS 30
416621****** REV 11/09 $0 99 1 0 0
07/14 $0 XP/TU/EF
02/18:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCC-------------CCCCCCCCCCCCCCCCCCC1CC
Late Dates: 1/13-30
REMARK: ACCOUNT CLOSED AT CREDIT GRANTOR'S REQUEST;
-------------------------------------------------------------------
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
-------------------------------------------------------------------
J J WELLS FARGO HM MORTGAG120 04/19 $102600 AS AGREED
9360516092798 MTG 04/18 $93990 9 0 0 0
04/19 $1703 XP/TU/EF
04/19: CCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST; FREDDIE MAC ACCOUNT;
B B ALLY FINANCIAL 242 03/19 $93738 AS AGREED
670924739694 AUTO 05/16 $87054 35 0 0 0
03/19 $664 XP/TU/EF
03/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B J BANK OF AMERICA MIN 04/19 $31300 AS AGREED
528071******8977 REV 09/05 $16571 99 0 0 0
03/19 $304 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
Page: 2/14
-------------------------------------------------------------------
APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
C J CHASE CARD MIN 04/19 $21750 AS AGREED
441712****** REV 06/97 $482 99 0 0 0
03/19 $25 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;
B J SHELL/CBNA MIN 04/19 $1700 AS AGREED
135917*** REV 08/02 $470 99 0 0 0
04/19 $27 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B SYNCB/HAVERTYS MIN 04/19 $7500 AS AGREED
601919******1974 REV 08/18 $371 9 0 0 0
04/19 $11 XP/TU/EF
04/19: CCCCCCCCC
C C SYNCB/JCP MIN 03/19 $4400 AS AGREED
600889****** REV 04/89 $261 99 0 0 0
03/19 $38 XP/TU/EF
03/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B SYNCB/LOWES MIN 04/19 $9700 AS AGREED
798192****** REV 04/14 $216 60 0 0 0
03/19 $25 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B CAP1/CABELAS 04/19 $13000 AS AGREED
546325******1548 REV 06/09 $0 99 0 0 0
03/16 $0 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
C J CHASE CARD 04/19 $28500 AS AGREED
426690****** REV 06/03 $0 99 0 0 0
03/18 $0 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;
Page: 3/14
-------------------------------------------------------------------
APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
B J CITICARDS CBNA 10/18 $12500 AS AGREED
542418****** REV 07/17 $0 15 0 0 0
06/18 $0 XP/TU/EF
10/18: CCCCCCCCCCCCCCC
B B EXXNMOBIL/CBNA 03/19 $2300 AS AGREED
730244******3075 REV 07/00 $0 99 0 0 0
03/19 $0 XP/TU/EF
03/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B FRSTBANK 03/10 $4200 AS AGREED
504926******0480 REV 09/05 $0 54 0 0 0
02/09 $0 EF
C J SEARS/CBNA 04/19 $2001 AS AGREED
512107****** REV 05/97 $0 99 0 0 0
11/17 $0 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
-------------------------------------------------------------------
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
-------------------------------------------------------------------
J J ALLY 63 08/16 $32540 PAID
611918341042 AUTO 04/12 $0 52 0 0 0
07/16 $0 XP/TU/EF
08/16: -CCCCCCCCCCCCCCCC--------CCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B BANK OF AMERICA, N.A. 240 06/16 $58770 PAID
59202040027704 INST 01/16 $0 6 0 0 0
06/16 $0 XP/TU/EF
06/16: -CCCCC
REMARK: RECREATIONAL MERCHANDISE;
B B BANK OF THE WEST 180 02/16 $37360 PAID
384887404 INST 01/15 $0 13 0 0 0
02/16 $0 XP/TU/EF
02/16: -CCCCCCCCCCCC
REMARK: RECREATIONAL MERCHANDISE;
Page: 4/14
-------------------------------------------------------------------
APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
C C CAP1/BSTBY 07/09 $0 PAID
169601******31786 REV 04/04 $0 63 0 0 0
10/04 $0 EF
J J CHASE AUTO 084 12/13 $46704 PAID
10636017425801 AUTO 12/06 $0 85 0 0 0
12/13 $0 XP/TU/EF
12/13:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B CONN CREDI 36 10/15 $4972 PAID
374588931 INST 01/11 $0 57 0 0 0
10/13 $0 XP/TU/EF
11/13: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: SECURED;
B B CONN CREDI 18 07/10 $1188 PAID
374588930 INST 10/09 $0 09 0 0 0
04/10 $0 XP/TU/EF
04/10: -CCCCCCCCC
B B CONNS CREDIT CORP 09/12 $2000 PAID
269435*** REV 05/07 $0 64 0 0 0
03/09 $0 XP/EF
09/12:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B FIRST ELECTRONIC BANK 05/11 $4200 PAID
504926****** REV 09/05 $0 69 0 0 0
02/09 $0 XP
05/11:
-CCC-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC--CC
J J FTH3RD BK 84 05/12 $44762 PAID
863585931 AUTO 10/06 $0 67 0 0 0
04/12 $0 XP/TU/EF
04/12:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
J J KOHLS/CAPONE 11/11 $500 PAID
328868***** REV 10/01 $0 99 0 0 0
05/08 $0 XP/EF
11/11:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CLOSED DUE TO INACTIVITY;
Page: 5/14
-------------------------------------------------------------------
APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
B B REGION/AMS 072 03/19 $55940 PAID
00001716000000009004591009 07/16 $0 33 0 0 0
03/19 $0 XP/TU/EF
03/19: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B SYNCB/CARECR 03/18 $5500 INACTIVE
601918******2770 REV 05/09 $0 82 0 0 0
12/13 $0 XP/TU/EF
03/18:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: INACTIVE ACCOUNT;
B J SYNCB/CHEVRO 12/17 $1024 INACTIVE
706159****** REV 09/05 $0 82 0 0 0
07/14 $0 XP/TU/EF
12/17:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: INACTIVE ACCOUNT;
C C SYNCB/STMRTD 12/18 $1024 INACTIVE
514863******1159 REV 03/16 $0 33 0 0 0
07/16 $0 XP/TU/EF
12/18: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: INACTIVE ACCOUNT;
B B SYNCB/WALMAR 02/16 $124 PAID
603220****** REV 12/05 $0 82 0 0 0
10/10 $0 XP/TU/EF
02/16:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CLOSED;
C C UNITED HER 72 05/11 $30699 PAID
2236380000 AUTO 09/02 $0 99 0 0 0
01/07 $0 EF
J J WFHE 06/18 $39000 PAID
65065090479941998 MTG 02/09 $0 82 0 0 0
04/18 $- XP/TU/EF
06/18:
---CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER; HOME EQUITY LOAN;
Page: 6/14
-------------------------------------------------------------------
APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
J J WFHM 240 05/18 $101000 PAID
7080095090643 MTG 02/09 $0 99 0 0 0
04/18 $0 XP/TU/EF
05/18:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FREDDIE MAC ACCOUNT; FIXED RATE;
-------------------------------------------------------------------
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
-------------------------------------------------------------------
STEPHEN G TAYS 585603849 DOB: 08/26/54
STEVE TAYS 585603849 DOB: N/A
NANCY J TAYS 527704918 DOB: 05/19/52
TAYS NANCY JEAN 527704918 DOB: N/A
NANCY JEAN FOSTER 527704918 DOB: N/A
STEPHEN G TAYS
TAYES,STEPHEN,GARY
DOB: 08/26/54
NANCY JEAN TAYS
FOSTER,NANCY
DOB: 05/19/52
STEPHEN G TAYS DOB: 08/26/54
STEPHEN G TAYS
NANCY JEAN TAYS DOB: 05/19/52
NANCY J TAYS
NANCY JEAN FOSTER
-------------------------------------------------------------------
I N Q U I R I E S ( L A S T 1 2 0 D A Y S )
-------------------------------------------------------------------
XP/TU 03/19/19 CDK/TOWN EAST FORD SAL AUTOMOTIVE
XP 03/19/19 PNC BANK BANKING
TU 03/19/19 SUNTRUST ATL BANKING
EF 03/19/19 TWNEASFORD AUTOMOTIVE
EF 03/19/19 CHASE AUTO BANKING
-------------------------------------------------------------------
A D D R E S S V A R I A T I O N S
-------------------------------------------------------------------
5306 VIRBURNUM CT, ARLINGTON, TX 76018-1653 04/95 -
09/97
2670 CLAREMONT DR, GRAND PRAIRIE, TX 75052-3805 01/97
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 03/98 -
08/18
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 03/98 -
08/18
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 01/04
11066 PECAN PARK BV #D407, CEDAR PARK, TX 78613-1515
Page: 7/14
-------------------------------------------------------------------
APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
02/04
11066 PECAN PARK BLVD STE 113, CEDAR PARK, TX 78613
02/04 - 03/11
11066 PECAN PARK BLVD STE 113, CEDAR PARK, TX 78613
02/04 - 09/09
1425 SPIDERLILY VW, CEDAR PARK, TX 78613 03/04 -
04/19
AUSTIN, TX 09/04
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 07/05
1425 SPIDERLILY VW, CEDAR PARK, TX 78613 07/05 -
04/19
917 CHALLENGER ST, LAKEWAY, TX 78734 07/05 - 09/09
914 W WASCHER DR #2, URBANA, IL 61801-1535 03/06
1425 SPIDERVIEW, CEDAR PARK, TX 78613 05/07
903 US HIGHWAY 80 E APT 1201, MESQUITE, TX 75150-5743
02/15
1515 N TOWN EAST B STE 138-292, MESQUITE, TX 75150-4142
01/16 - 03/16
1515 N TOWN EAST BLVD STE 138-292, MESQUITE, TX 75150
01/16 - 07/16
345 BARNES BRIDGE RD, SUNNYVALE, TX 75182-9107 08/18
-------------------------------------------------------------------
E M P L O Y M E N T V A R I A T I O N S
-------------------------------------------------------------------
CITY OF IRVING LIBRARY// 12/95
CITY OF AUSTIN// 12/06
AMERICAN RENTAL ASSOCIATE/REGIONAL TECH MNGR/ 07/14
AMERICAN RENAL// 01/15
AMERICAN RENTAL ASSOCIATE// 07/16
AMERICAN RENTAL/REGIONAL TECH MNGR/
AMERICAN/REGIONAL TECHNICAL MANAGER/
FRESENIUS MEDICAL C/TECH SUPERVISOR/
CITY OF AUSTIN/LIBRARIAN/
CITY OF IRVING//
RENAL CARE GROUP/AREA TECHNICAL MANAG/
CITY OF AUSTIN//
-------------------------------------------------------------------
R E M A R K S
-------------------------------------------------------------------
CONSUMER STATEMENT: DO NOT CONFUSE WITH CONSUMERS OF SIMILAR
IDENTIFICATION. VERIFY ALL IDENTIFYING INFORMATION.
-------------------------------------------------------------------
A L E R T
-------------------------------------------------------------------
STEPHEN G TAYS YOB: 1954
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED
NANCY J TAYS YOB: 1952
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED
Page: 8/14
-------------------------------------------------------------------
APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
-------------------------------------------------------------------
T U I D V I S I O N A L E R T
-------------------------------------------------------------------
TAYS, STEPHEN GARY 585-60-3849
REMARK: AVAILABLE AND CLEAR
TAYS, NANCY J 527-70-4918
REMARK: AVAILABLE AND CLEAR
-------------------------------------------------------------------
C R E D I T O R S
-------------------------------------------------------------------
- 5TH 3RD BK [TU] 800-972-3030
38 FOUNTAIN SQ PL,CINCINNATI, OH 45202
- ally fin [MANUAL] 800-200-4622
,
- ally financial [XP] 800-200-4622
,
- ALLY FINANCIAL [XP] 800-200-4622
200 RENAISSANCE CTR,DETROIT, MI 48243
- ALLY FINCL [TU] 800-925-2559
P.O. BOX 380901,BLOOMINGTON, MN 55438
- AMSOUTH BANK NA [XP/EF] 205-750-2652
P O BOX 11007,BIRMINGHAM AL 35288
- AMSOUTH BK [TU] 800-896-6513
720 NORTH 39TH STR,BIRMINGHAM AL 35222
- bank of america [XP] 800-759-6262
,
- BANK OF AMERICA [XP/EF] 800-215-6195
9000 SOUTHSIDE BLVD BLDG,JACKSONVILLE, FL 32256
- BANK OF THE WEST [XP/TU/EF] 800-843-2327
1450 TREAT BLVD,WALNUT CREEK CA 94597
- BANKAMERICA [TU] 800-215-6195
P.O. BOX 2240,BREA, CA 92822
- CB/SPMNSGV [TU]
PO BOX 182789,COLUMBUS, OH 43218
- CBNA/SEARS [XP] 800-669-8488
13200 SMITH RD,CLEVELAND, OH 44130
- CBUSASEARS [EF] 800-669-8488
13200 SMITH ROAD,CLEVELAND, OH 44130
- CHASE [XP/TU/EF] 800-336-6675
950 CORBINDALE,HOUSTON, TX 77252
- CHASE AUTO [TU] 800-336-6675
P.O. BOX 901003 CREDIT BUREAU DISPUTE PROCESSG,FORT WORTH, TX
- CITI CARDS CBSDNA [TU] 800-843-0777
POB 6241,SIOUX FALLS, SD 57117
- CITI-SHELL [TU] 800-331-3703
P O BOX 15687,WILMINGTON DE 19850
- CONNS [TU/EF] 409-832-1696
BOX 2356,BEAUMONT TX 77704
- CONNS CREDIT CORP [XP] 800-511-5750
PO BOX 2358,BEAUMONT TX 77704
Page: 9/14
-------------------------------------------------------------------
APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
- Credit Plus [TU/EF] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- EXXMBLCITI [MANUAL] 800-344-4355
,
- FIFTH THIRD BANK [XP/EF] 800-972-3030
FIFTH THIRD CENTER,CINCINNATI OH 45263
- FIRST ELECTRONIC BANK [XP] 801-572-4004
2150 S 1300 E STE 400,SALT LAKE CITY, UT 84106
- FRSTBANK [EF] 801-572-4004
11781 S. LONE PEAK PKWY #135,DRAPER, UT 84020
- GE MONEY BANK/CHEVRON [XP] 800-243-8766
,
- GECRB/LOWBRC [MANUAL] 800-444-1408
,
- GECRB/STEIN MART DC [XP/EF] 866-864-2149
PO BOX 981416,EL PASO, TX 79998
- GECRB/WALMART [XP/TU] 877-294-7880
PO BOX 965024,ORLANDO, FL 32896
- GEMB/CHEVRON PLCC [EF] 800-243-8766
,
- GEMB/HAVERTYS [EF] 866-396-8254
,
- GEMB/JC PENNEYS [EF] 800-542-0800
,
- GEMB/LOWES [XP/EF] 800-444-1408
PO BOX 103065,ROSWELL GA 30076
- GEMB/WALMART [EF] 800-957-0832
,
- HSBC/BSTBY [EF] 800-365-0292
1405 FOULK ROAD,WILMINGTON, DE 19808
- KOHLS/CAP1 [EF] 800-564-5740
,
- kohls/capone [XP] 800-564-5740
,
- MBGA/JC PENNEY [XP] 800-542-0800
PO BOX 981131,EL PASO TX 79998
- MBNA AMERICA [TU] 800-421-2110
PO BOX 17054,WILMINGTON DE 19884
- PNC BANK [XP] BYMAILONLY
2730 LIBERTY AVE,PITTSBURGH, PA 15222
- SEARS/CBNA [TU] 800-669-8488
PO BOX 6282,SIOUX FALLS, SD 57117
- SHELL/CITI [EF] 800-331-3703
PO BOX 15687,WILMINGTON DE 19850
- SYNCB/CHEVRO [TU] 800-243-8766
P.O BOX 965015,ORLANDO, FL 32896
- SYNCB/HAVERT [TU] 866-396-8254
C/O PO BOX 965036,ORLANDO, FL 32896
- SYNCB/JCP [TU] 866-227-5213
PO BOX 965007,ORLANDO, FL 32896
- SYNCB/STMRTD [TU] 866-864-2149
PO BOX 965005,ORLANDO, FL 32896
- UNITED HER [EF] 512-435-4545
2315 WEST BEN WHITE,AUSTIN TX 78704
Page: 10/14
-------------------------------------------------------------------
APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
- WELLS FARGO [TU] 888-667-6059
P O BOX 10438,DES MOINES, IA 50306
- WELLS FARGO BANK NV NA [XP] 888-667-6059
,
- WELLS FARGO HM MORTGAG [XP] 800-262-5294
7495 NEW HORIZON WAY,FREDERICK, MD 21703
- WELLS FARGO HOME MOR [EF] p#800-262-52
4680 HALLMARK PARKWAY X0701-01K,SAN BERNARDINO, CA 92407
- WELLSFARGO [EF] 800-262-5294
3476 STATEVIEW BLVD,FORT MILL SC 29715
- WELSHMQTY [EF] 888-667-6059
4455 ARROWSWEST DRIVE,COLORADO SPRINGS, CO 80907
- WFB-NE [TU/EF] 800-850-8402
4800 NW 1ST STREET SUITE 300,LINCOLN, NE 68521
- WFHM [MANUAL] 800-262-5294
,
- WFNNB/SPRTSMNGUIDEVISA [XP] 888-252-5557
134 CAPITOL DRIVE,WEST SPRINGFIELD MA 01089
- WORLDS FOREMOST BANK N [XP] 800-850-8402
4800 NW 1ST ST STE 300,LINCOLN, NE 68521
-------------------------------------------------------------------
T R A D E S U M M A R Y
-------------------------------------------------------------------
# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 3 93990 102600 1703 0
AUTO 6 87054 93738 664 0
EDUCATION 0 0 0 0 0
OTHER INSTALLM 4 0 0 0 0
OPEN 0 0 0 0 0
REVOLVING 21 18371 138851 430 0
OTHER 0 0 0 0 0
TOTAL 34 199415 335189 2797 0
SECURED DEBT 181044 HIGH CREDIT 335189
UNSECURED DEBT 18371 REV CREDIT UTILIZATION 13%
OLDEST TRADE 04/89 TOTAL DEBT/HIGH CREDIT 59%
-------------------------------------------------------------------
D E R O G A T O R Y S U M M A R Y
-------------------------------------------------------------------
CHARGE OFFS 0 30 DAYS 1 INQUIRIES 5
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
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1 - EXPERIAN
STEPHEN G TAYS 585603849 DOB: 08/26/54
STEVE TAYS 585603849 DOB: N/A
585-60-3849
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 03/98 -
08/18
Page: 11/14
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APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
1515 N TOWN EAST B STE 138-292, MESQUITE, TX 75150-4142
01/16 - 03/16
903 US HIGHWAY 80 E APT 1201, MESQUITE, TX 75150-5743
02/15
AMERICAN RENTAL ASSOCIATE// 07/16
AMERICAN RENAL// 01/15
2 - EXPERIAN
NANCY J TAYS 527704918 DOB: 05/19/52
TAYS NANCY JEAN 527704918 DOB: N/A
NANCY JEAN FOSTER 527704918 DOB: N/A
527-70-4918
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 03/98 -
08/18
5306 VIRBURNUM CT, ARLINGTON, TX 76018-1653 04/95 -
09/97
2670 CLAREMONT DR, GRAND PRAIRIE, TX 75052-3805 01/97
CITY OF AUSTIN// 12/06
CITY OF IRVING LIBRARY// 12/95
3 - TRANSUNION
STEPHEN G TAYS
TAYES,STEPHEN,GARY
DOB: 08/26/54
585-60-3849
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 01/04
914 W WASCHER DR #2, URBANA, IL 61801-1535 03/06
345 BARNES BRIDGE RD, SUNNYVALE, TX 75182-9107 08/18
AUSTIN, TX 09/04
AMERICAN RENTAL ASSOCIATE/REGIONAL TECH MNGR/ 07/14
RENAL CARE GROUP/AREA TECHNICAL MANAG/
4 - TRANSUNION
NANCY JEAN TAYS
FOSTER,NANCY
DOB: 05/19/52
527-70-4918
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 07/05
1425 SPIDERVIEW, CEDAR PARK, TX 78613 05/07
11066 PECAN PARK BV #D407, CEDAR PARK, TX 78613-1515
02/04
CITY OF AUSTIN//
5 - EQUIFAX
STEPHEN G TAYS DOB: 08/26/54
STEPHEN G TAYS
585-60-3849
1425 SPIDERLILY VW, CEDAR PARK, TX 78613 03/04 -
04/19
1515 N TOWN EAST BLVD STE 138-292, MESQUITE, TX 75150
01/16 - 07/16
11066 PECAN PARK BLVD STE 113, CEDAR PARK, TX 78613
02/04 - 03/11
AMERICAN RENTAL/REGIONAL TECH MNGR/
AMERICAN/REGIONAL TECHNICAL MANAGER/
Page: 12/14
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APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
FRESENIUS MEDICAL C/TECH SUPERVISOR/
6 - EQUIFAX
NANCY JEAN TAYS DOB: 05/19/52
NANCY J TAYS
NANCY JEAN FOSTER
527-70-4918
1425 SPIDERLILY VW, CEDAR PARK, TX 78613 07/05 -
04/19
11066 PECAN PARK BLVD STE 113, CEDAR PARK, TX 78613
02/04 - 09/09
917 CHALLENGER ST, LAKEWAY, TX 78734 07/05 - 09/09
CITY OF AUSTIN/LIBRARIAN/
CITY OF IRVING//
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M I S C E L L A N E O U S I N F O R M A T I O N
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Instant View Password: AV-418B86
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 48071112 and password AV-418B86 to view the
report. For any inquiries regarding this report or services
provided by CREDIT PLUS 2 please contact us at (800) 258-3488.
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D I S C L A I M E R
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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
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
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T R E N D S U M M A R Y
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Page: 13/14
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APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
*** END OF REPORT 4/29/2019 6:24:03 AM ***
Page: 14/14
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 141 REPORT #: 48071112
6203 COLLEYVILLE BLVD STE 200 REFERENCE #: 1410008433
COLLEYVILLE, TX 76034
8173100823
RETURN SERVICE REQUESTED
STEPHEN GARY TAYS
1425 SPIDERLILY VIEW
CEDAR PARK, TX 78613
=================================================================
YOUR CREDIT SCORE - 789
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 73 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TOO MANY INQUIRIES LAST 12 MONTHS
* NUMBER OF ACCOUNTS WITH DELINQUENCY
* PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL
REVOLVING ACCOUNTS
* TOO MANY ACCOUNTS RECENTLY OPENED
Page: 1/18
=================================================================
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
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: 2/18
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: 3/18
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 141 REPORT #: 48071112
6203 COLLEYVILLE BLVD STE 200 REFERENCE #: 1410008433
COLLEYVILLE, TX 76034
8173100823
RETURN SERVICE REQUESTED
NANCY J TAYS
1425 SPIDERLILY VIEW
CEDAR PARK, TX 78613
=================================================================
YOUR CREDIT SCORE - 818
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 90 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL
REVOLVING ACCOUNTS
* TOO MANY ACCOUNTS WITH BALANCES
* TOO MANY ACCOUNTS RECENTLY OPENED
Page: 4/18
=================================================================
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
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: 5/18
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: 6/18
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 141 REPORT #: 48071112
6203 COLLEYVILLE BLVD STE 200 REFERENCE #: 1410008433
COLLEYVILLE, TX 76034
8173100823
RETURN SERVICE REQUESTED
STEPHEN GARY TAYS
1425 SPIDERLILY VIEW
CEDAR PARK, TX 78613
=================================================================
YOUR CREDIT SCORE - 765
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 64 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
* PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
* INQUIRIES IMPACTED THE CREDIT SCORE
Page: 7/18
=================================================================
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
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: 8/18
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: 9/18
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 141 REPORT #: 48071112
6203 COLLEYVILLE BLVD STE 200 REFERENCE #: 1410008433
COLLEYVILLE, TX 76034
8173100823
RETURN SERVICE REQUESTED
NANCY J TAYS
1425 SPIDERLILY VIEW
CEDAR PARK, TX 78613
=================================================================
YOUR CREDIT SCORE - 791
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 78 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
* TOO MANY ACCOUNTS WITH BALANCES
Page: 10/18
=================================================================
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
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: 11/18
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: 12/18
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 141 REPORT #: 48071112
6203 COLLEYVILLE BLVD STE 200 REFERENCE #: 1410008433
COLLEYVILLE, TX 76034
8173100823
RETURN SERVICE REQUESTED
STEPHEN GARY TAYS
1425 SPIDERLILY VIEW
CEDAR PARK, TX 78613
=================================================================
YOUR CREDIT SCORE - 768
Source: EQUIFAX Date: 04/29/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA
=================================================================
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 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 compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 66 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* LEVEL OF DELINQUENCY ON ACCOUNTS
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
Page: 13/18
* NUMBER OF INQUIRIES ADVERSELY AFFECTED THE SCORE, BUT NOT
SIGNIFICANTLY
=================================================================
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
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: 14/18
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: 15/18
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 141 REPORT #: 48071112
6203 COLLEYVILLE BLVD STE 200 REFERENCE #: 1410008433
COLLEYVILLE, TX 76034
8173100823
RETURN SERVICE REQUESTED
NANCY J TAYS
1425 SPIDERLILY VIEW
CEDAR PARK, TX 78613
=================================================================
YOUR CREDIT SCORE - 787
Source: EQUIFAX Date: 04/29/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA
=================================================================
UNDERSTANDING YOUR CREDIT SCORE
-----------------------------------------------------------------
What you should know about credit scores:
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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.
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How we use your credit score:
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Your credit score can affect whether you can get a loan and how
much you will have to pay for that loan.
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The range of scores:
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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.
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How your score compares to the scores of other consumers:
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Your credit score ranks higher than 75 percent of U.S. consumers.
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Key factors that adversely affected your credit score:
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* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* TOO MANY ACCOUNTS WITH BALANCES
Page: 16/18
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CHECKING YOUR CREDIT REPORT
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What if there are mistakes in your credit report?
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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.
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How can you obtain a copy of your credit report?
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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
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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.
Page: 17/18
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
Page: 18/18
CORNERSTONE HOME LENDING INC - 141
6203 COLLEYVILLE BLVD STE 200
COLLEYVILLE, TX 76034
8173100823
NOTICE TO THE HOME LOAN APPLICANT
CREDIT SCORE INFORMATION DISCLOSURE
TAYS, STEPHEN GARY
1425 SPIDERLILY VIEW
CEDAR PARK, TX 78613
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 : TAYS, STEPHEN GARY
Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 768 Range: 334-818
Key Factors affecting the score:
- LEVEL OF DELINQUENCY ON ACCOUNTS
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
- PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
- NUMBER OF INQUIRIES ADVERSELY AFFECTED THE SCORE, BUT NOT
SIGNIFICANTLY
Applicant : TAYS, STEPHEN GARY
Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 765 Range: 309-839
Key Factors affecting the score:
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
- LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
- PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
- INQUIRIES IMPACTED THE CREDIT SCORE
Applicant : TAYS, STEPHEN GARY
Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 789 Range: 300-850
Key Factors affecting the score:
- TOO MANY INQUIRIES LAST 12 MONTHS
- NUMBER OF ACCOUNTS WITH DELINQUENCY
- PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR
ALL REVOLVING ACCOUNTS
- TOO MANY ACCOUNTS RECENTLY OPENED
Borrower Signature _________________________________________ Date
__________
Page: 2/2
CORNERSTONE HOME LENDING INC - 141
6203 COLLEYVILLE BLVD STE 200
COLLEYVILLE, TX 76034
8173100823
NOTICE TO THE HOME LOAN APPLICANT
CREDIT SCORE INFORMATION DISCLOSURE
TAYS, NANCY J
1425 SPIDERLILY VIEW
CEDAR PARK, TX 78613
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 : TAYS, NANCY J
Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 787 Range: 334-818
Key Factors affecting the score:
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
- TOO MANY ACCOUNTS WITH BALANCES
Applicant : TAYS, NANCY J
Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 791 Range: 309-839
Key Factors affecting the score:
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
- PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
- TOO MANY ACCOUNTS WITH BALANCES
Applicant : TAYS, NANCY J
Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 818 Range: 300-850
Key Factors affecting the score:
- PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR
ALL REVOLVING ACCOUNTS
- TOO MANY ACCOUNTS WITH BALANCES
- TOO MANY ACCOUNTS RECENTLY OPENED
Borrower Signature _________________________________________ Date
__________
Page: 2/2
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