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Full Profile. $30 each. Escrow Accepted mailto:[email protected] PS- If you have good cashout method you can show proof of i am ready to supply. |
New States added. CA TX FL OH NJ Can Filter any Age/Ethnicity/Gender/City. Discounts for Bulk Order Always. Thanks </br></br></br></br></br></br> |
can you show the sample of your stuff? |
[QUOTE=cisco;62696]New States added. CA TX FL OH NJ Can Filter any Age/Ethnicity/Gender/City. Discounts for Bulk Order Always. Search Profiles for Stores now. </br></br></br></br></br> |
RIPPER. SENT BTC & NEVER RECIEVED PROFILES; ORDERED 7 |
Quote:
I did deliver! Добавлено через 3 минуты 25 секунд Code: <pre class="alt2" dir="ltr" style=" margin: 0px; padding: 6px; border: 1px solid rgb(0, 0, 0); width: 640px; height: 498px; text-align: left; overflow: auto; background: rgb(37, 37, 37) none repeat scroll 0% 0%; border-radius: 5px; font-size: 11px; text-shadow: none;"> ------------------------------------------------------------------------------ REF:1-11001-58485-0000 12/11/2014 TID:1-11054-50083 02/02/2015 14:36:34 Credco ProScan Alert Report Acct: 3378613 Prepared for: TBI MORTGAGE Notes: Requested: EFX, XPN, TUC - J Delivered: EFX, XPN, TUC ------------------------------------------------------------------------------ Agency Case Id: 1164747508 351450 xAcct: P0745G1N ------------------------------------------------------------------------------ App: PITTMAN, KERMIT A Dob: 08/12/55 Ssn: 457-06-5804 Cap: PITTMAN, BONNIE M Dob: 12/20/57 Ssn: 502-68-1544 Curr Addr: 6911 STEVENSON DRIVE, MISSOURI CITY, TX 77459 ------------------------------------------------------------------------------ WARNING: Further verification required for detection of possible fraud ProScan Alert Summary --------------------- Alert Group : SSN Addr Tel DL Other Total Alert Count : - 2 - - 1 3 Identity Type : Name Addr SSN DL DOB/Age Variation : Match VAR Match N/A VAR Bureau Fraud : IDENTITY SCAN(EFraud Shield(XPN) Status : Clr/Info Info ------------------------------------------------------------------------------ Only Applicant/Co-applicant information included in the Summary. ProScan Alert Information ------------------------- Applicant --------- Alert SSN No SSN alerts detected Address 1. Variation between Inquiry and Onfile address. VariationType:CURRADDR STNAME; CurrAddr:6911 STEVENSON DR MISSOURI CITY TX 774592033 (EFX, XPN, TUC) Other No additional alerts detected Information SSN 1. Inquiry SSN Issued State:TX (EFX) Other 1. No bureau fraud alerts detected (EFX) 2. Estimated age when Inquiry SSN was obtained. Age:15 (EFX, XPN) 3. Estimated age when Onfile SSN was obtained. Age:14-16 (EFX, XPN) Page 1 of 2 ------------------------------------------------------------------------------ REF:1-11001-58485-0000 12/11/2014 TID:1-11054-50083 02/02/2015 14:36:34 ------------------------------------------------------------------------------ Co-Applicant ------------ Alert SSN No SSN alerts detected Address 1. Variation between Inquiry and Onfile address. VariationType:CURRADDR STNAME; CurrAddr:6911 STEVENSON DR MISSOURI CITY TX 774592033 (EFX, XPN, TUC) Other 1. Variation between Inquiry and Onfile Age/DOB. DOB:12/20/1957 (EFX, XPN, TUC) Information SSN 1. Inquiry SSN Issued State:ND (EFX) Other 1. No bureau fraud alerts detected (EFX) 2. Estimated age when Inquiry SSN was obtained. Age:12 (EFX, XPN) 3. Estimated age when Onfile SSN was obtained. Age:12-14 (EFX, XPN) End of ProScan Alert Report ------------------------------------------------------------------------------ REF:1-11001-58485-0000 12/11/2014 TID:1-11054-50083 02/02/2015 14:36:34 Credco Instant Merge Credit Report Acct: 3378613 Prepared for: TBI MORTGAGE Notes: Requested: EFX, XPN, TUC - J Delivered: EFX, XPN, TUC ------------------------------------------------------------------------------ Agency Case Id: 1164747508 351450 xAcct: P0745G1N ------------------------------------------------------------------------------ App: PITTMAN, KERMIT A Dob: 08/12/55 Ssn: 457-06-5804 Cap: PITTMAN, BONNIE M Dob: 12/20/57 Ssn: 502-68-1544 Curr Addr: 6911 STEVENSON DRIVE, MISSOURI CITY, TX 77459 ------------------------------------------------------------------------------ INSTANT MERGE SUMMARY --------------------- ACCOUNT DISTRIBUTION CURRENT STATUS(tradelines) Account Type Count Balance Payments Curr Clsd Unrt 30 60 90+ Real Estate 2 $193,571 $1,453 1 1 - - - - Installment 2 $0 $0 1 1 - - - - Revolving 10 $640 $75 6 4 - - - - Other 0 $0 $0 - - - - - - Total 14 $194,211 $1,528 8 6 - - - - AVAILABLE CREDIT Revolving 99% $52,684 INQUIRIES PUBLIC RECORDS HISTORICAL DELINQUENCIES(count) 12 Month Total 4 EFX N/A Account Type LastDlq 30 60 90+ Elim. same day - 2 XPN N/A Real Estate - - - Adjusted Total 2 TUC N/A Installment - - - New Trades(6 mon) 0 Last 2yrs N Revolving - - - Other - - - Oldest Trd: 10/91 On File: 01/84 Total - - - ------------------------------------------------------------------------------ Only Applicant/Co-applicant information included in the Summary. BUREAU SCORE INFORMATION ------------------------ EFX BEACON 5.0 (APP)= 807 Factor: 00030, 00005, 00008 00030 TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT 00005 TOO MANY ACCOUNTS WITH BALANCES 00008 TOO MANY INQUIRIES LAST 12 MONTHS EFX BEACON 5.0 (CAP)= 804 Factor: 00030, 00005, 00008 00030 TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT 00005 TOO MANY ACCOUNTS WITH BALANCES 00008 TOO MANY INQUIRIES LAST 12 MONTHS XPN FICO-II (APP)= 823 Factor: 08, 05 08 TOO MANY INQUIRIES LAST 12 MONTHS 05 TOO MANY ACCOUNTS WITH BALANCES XPN FICO-II (CAP)= 818 Factor: 05, 08 05 TOO MANY ACCOUNTS WITH BALANCES 08 TOO MANY INQUIRIES LAST 12 MONTHS Page 1 of 2 ------------------------------------------------------------------------------ REF:1-11001-58485-0000 12/11/2014 TID:1-11054-50083 02/02/2015 14:36:34 ------------------------------------------------------------------------------ BUREAU SCORE INFORMATION (continued) ------------------------------------ TUC FICO Classic 04 (APP)= 802 Factor: 030, 012, 005, 014 030 TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT 012 LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED 005 TOO MANY ACCOUNTS WITH BALANCES 014 LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED * Number of Inquiries Adversely Affected the Score TUC FICO Classic 04 (CAP)= 795 Factor: 030, 005, 012, 014 030 TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT 005 TOO MANY ACCOUNTS WITH BALANCES 012 LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED 014 LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED * Number of Inquiries Adversely Affected the Score End of Decision Maker Report ------------------------------------------------------------------------------ REF:1-11001-58485-0000 12/11/2014 TID:1-11054-50083 02/02/2015 14:36:34 Credco Instant Merge Credit Report Acct: 3378613 Prepared for: TBI MORTGAGE Notes: Requested: EFX, XPN, TUC - J Delivered: EFX, XPN, TUC ------------------------------------------------------------------------------ Agency Case Id: 1164747508 351450 xAcct: P0745G1N ------------------------------------------------------------------------------ App: PITTMAN, KERMIT A Dob: 08/12/55 Ssn: 457-06-5804 Cap: PITTMAN, BONNIE M Dob: 12/20/57 Ssn: 502-68-1544 Curr Addr: 6911 STEVENSON DRIVE, MISSOURI CITY, TX 77459 ------------------------------------------------------------------------------ Account Name/Number (Sources) Past due MR Last Open High Payment Balance MOP Status Rptd 30 60 90+ MD MxDlq ------------------------------------------------------------------------------ Tradeline Information: ---------------------- 1. WELLS FARGO HM MORTGAG/9360474645959 (EFX-404FM01890,XPN,TUC) J 07-13 208586 1453 193571 M-1 CURRENT 12-14 00 00 00 14 Hist: 12-14 11111111111111 PYMT 11-14 JNT Ctgy: REAL ESTATE MORTGAGE Term: 180 MON FANNIE MAE ACCT REAL ESTATE MORTGAGE 2. TD BANK USA/TARGETCRED/435237763372 (EFX-613BC00059,XPN,TUC) I 08-02 7133 25 278 R-1 CURRENT 11-14 00 00 00 84 Hist: 11-14 111111111111111111111111 PYMT 11-14 CAP Ctgy: CREDIT CARD Term: REV Lmt: 10000 CREDIT CARD 3. DISCOVER FIN SVCS LLC/601149948161 (EFX-155BB03747,XPN,TUC) J 10-91 8725 35 262 R-1 CURRENT 11-14 00 00 00 25 Hist: 11-14 111111111111111111111111 PYMT 10-14 JNT Ctgy: CREDIT CARD Term: REV Lmt: 14500 CREDIT CARD 4. WELLS FARGO BANK/414718039191 (EFX-133BB18862,XPN,TUC) J 12-02 9583 15 100 R-1 CURRENT 11-14 00 00 00 84 Hist: 11-14 111111111111111111111111 PYMT 11-14 JNT Ctgy: FLEXIBLE SPENDING CREDIT CARD Term: REV Lmt: 17000 FLEXIBLE SPENDING CREDIT CARD 5. SYNCB/JCP/600889399687 (EFX-404DC02910,XPN,TUC) I 11-07 1217 0 -0- R-1 CURRENT 11-14 00 00 00 84 Hist: 11-14 111111111111111111111111 PYMT 09-14 CAP Ctgy: CHARGE ACCOUNT Term: REV Lmt: 2000 CHARGE 6. WEBBANK/DFS/687945011904127 (EFX-608FF02660,XPN,TUC) I 10-06 1718 0 -0- R-1 CURRENT 01-14 00 00 00 84 Hist: 01-14 111111111111111111111111 PYMT 02-10 APP Ctgy: CHARGE ACCOUNT Term: REV Lmt: 5000 ACCOUNT CLOSED DUE TO INACTIVITY PAID ACCT INACTIVE Page 1 of 5 ------------------------------------------------------------------------------ REF:1-11001-58485-0000 12/11/2014 TID:1-11054-50083 02/02/2015 14:36:34 ------------------------------------------------------------------------------ Account Name/Number (Sources) Past due MR Last Open High Payment Balance MOP Status Rptd 30 60 90+ MD MxDlq ------------------------------------------------------------------------------ Tradeline Information (continued): ---------------------------------- 7. CHASE/10336114013309 (XPN-BB1101969) J 12-03 17262 N/A N/A I-1 CURRENT 01-05 00 00 00 14 Hist: 01-05 11111111111111 PYMT 01-05 JNT Ctgy: AUTO LOAN Term: 60 MON PAID 8. SEARS/CBNA/115003663 (XPN-DC1323300) I 07-00 4184 N/A N/A R-1 CURRENT 03-05 00 00 00 56 Hist: 03-05 111111111111111111111111 APP Ctgy: CHARGE ACCOUNT Term: REV PAID 9. CHASE/464018801375 (XPN-BC3182310) J 11-91 4127 N/A CLOSED R-1 CURRENT 10-13 00 00 00 84 Hist: 10-13 111111111111111111111111 CLSD 02-03 JNT Ctgy: CREDIT CARD Term: REV Lmt: 21000 CLOSED BY CONSUMER PAID 10. DSNB MACYS/433372516 (EFX-636DC26977,XPN,TUC) I 08-01 517 0 CLOSED R-1 CURRENT 11-14 00 00 00 84 Hist: 11-14 111111111111111111111111 CLSD 11-14 CAP Ctgy: CHARGE ACCOUNT Term: REV Lmt: 100 PAID - CREDIT LINE CLOSED CLOSED BY CREDITOR PAID 11. FRD MOTOR CR/49623772 (EFX-644FA04640,XPN,TUC) I 12-13 30584 0 CLOSED I-1 CURRENT 03-14 00 00 00 4 Hist: 03-14 1111 CLSD APP Ctgy: AUTO PAID - CREDIT LINE CLOSED AUTO LOAN PAID CLOSED 12. SEARS/CBNA/11500 (EFX-645DC09401) I 07-00 9540 0 CLOSED R-1 CURRENT 03-05 00 00 00 56 Hist: 03-05 111111111111111111111111 CLSD 03-05 APP Term: REV PAID - CREDIT LINE CLOSED CLOSED Page 2 of 5 ------------------------------------------------------------------------------ REF:1-11001-58485-0000 12/11/2014 TID:1-11054-50083 02/02/2015 14:36:34 ------------------------------------------------------------------------------ Account Name/Number (Sources) Past due MR Last Open High Payment Balance MOP Status Rptd 30 60 90+ MD MxDlq ------------------------------------------------------------------------------ Tradeline Information (continued): ---------------------------------- 13. WELLS FARGO BANK NV NA/6506507161603 (EFX-196BB01486,XPN,TUC) J 02-05 100000 0 CLOSED C-1 CURRENT 06-13 00 00 00 84 Hist: 06-13 111111111111111111111111 CLSD 06-13 JNT Ctgy: HOME EQUITY LINE OF CREDIT, REV Term: REV Lmt: 100000 CLOSED BY CONSUMER PAID - CREDIT LINE CLOSED PAID 14. WELLS FARGO HM MORTGAG/7080019753029 (EFX-241FM01630,XPN,TUC) J 01-03 120851 0 CLOSED M-1 CURRENT 02-10 00 00 00 83 Hist: 02-10 111111111111111111111111 CLSD JNT Ctgy: REAL ESTATE MORTGAGE FREDDIE MAC ACCT PAID - CREDIT LINE CLOSED PAID CLOSED Identification Information: --------------------------- 1. PITTMAN, KERMIT A Ssn: 457-06-5804 Dob: 08-12-55 (EFX) SSN MATCHES. 2. PITTMAN, BONNIE M Ssn: 502-68-1544 Dob: 12-20-57 (EFX) SSN MATCHES. 3. PITTMAN, KERMIT A Ssn: 457-06-5804 Dob: 08-12-55 (XPN) SSN MATCHES. 4. PITTMAN, BONNIE M Ssn: 502-68-1544 Dob: 12-20-57 (XPN) SSN MATCHES. 5. PITTMAN, KERMIT A 1 Ssn: 457-06-5804 Dob: 08-12-55 (TUC) SSN MATCHES. 6. PITTMAN, BONNIE M 1 Ssn: 502-68-1544 Dob: 12-20-57 (TUC) SSN MATCHES. Inquiries made in the last 12 months: ------------------------------------- 1. 12-11-14 TBI MORTGAGE (TUC-F01207005) APP,CAP 2. 02-18-14 CREDCO (EFX-181ZB14416) APP,CAP 3. 02-18-14 CREDCO :REAL ESTATE (XPN-FR3996926) APP,CAP 4. 02-18-14 TBI MORTGAGE (TUC-F01207005) APP,CAP Address Information: -------------------- 1. 9745 BENT OAK DR HOUSTON, TX 770402689 Since 10-05 Rptd 10-05 (XPN) (APP) 2. 5259 SW GREENWOOD PL TUALATIN, OR 97062 (TUC) (APP) 3. 17422 MARIGOLD DR SUGAR LAND, TX 774793137 Since 08-94 Rptd 01-14 (EFX,XPN,TUC) (APP) Page 3 of 5 ------------------------------------------------------------------------------ REF:1-11001-58485-0000 12/11/2014 TID:1-11054-50083 02/02/2015 14:36:34 ------------------------------------------------------------------------------ Address Information (continued): -------------------------------- 4. 17422 MARIGOLD DR SUGAR LAND, TX 774793137 Since 08-94 Rptd 11-14 (EFX,XPN,TUC) (CAP) 5. 11821 REMSEN RD JACKSONVILLE, FL 32223 (TUC) (CAP) 6. 6911 STEVENSON DR MISSOURI CITY, TX 774592033 Since 08-13 Rptd 12-14 (EFX,XPN,TUC) (APP) 7. 6911 STEVENSON DR MISSOURI CITY, TX 774592033 Since 08-13 Rptd 12-14 (EFX,XPN,TUC) (CAP) 8. 5259 SW GREENWOOD PL TUALATIN, OR 970628750 Since 04-90 Rptd 05-09 (EFX,XPN) (CAP) 9. 11 WINTERGREEN IRVINE, CA 92604 Since 08-94 Rptd 02-10 (EFX) (APP) Employment Information: ----------------------- 1. COMMUNITY CHI OCCUPATION UNKNOWN (EFX) (CAP) 2. HOMEMAKER OCCUPATION UNKNOWN Rptd 03-88 (TUC) (CAP) 3. JWP MECHANICAL SVC IRVINE, CA OCCUPATION UNKNOWN (EFX) (APP) 4. LETSOS CO OCCUPATION UNKNOWN Rptd 06-95 (XPN) (APP) 5. LETSOS CO OCCUPATION UNKNOWN (TUC) (APP) 6. LETSOS CO CONSTRUCTION MNGR (EFX) (APP) 7. LOS MEDANOS COMM HSP PITTSBURG, CA OCCUPATION UNKNOWN Rptd 12-83 (XPN) (CAP) 8. ST JOHNS LUTHERNA SCH BKRSFLD, CA TEACH AIDE (EFX) (CAP) 9. WAY ENGINEERING OCCUPATION UNKNOWN (EFX) (APP) 10. WAY ENGINEERING VICE PRESIDENT CONST Rptd 12-03 (TUC) (APP) 11. WAY INGENIERING OCCUPATION UNKNOWN Rptd 12-02 (XPN) (APP) Miscellaneous Information: -------------------------- 1. Variation between Inquiry and Onfile address (XPN) (APP) 2. Variation between Inquiry and Onfile address (XPN) (CAP) Public Record Information: -------------------------- No Public Record Information found Consumer Referral Information: ------------------------------ EFX - EQUIFAX INFORMATION SVCS, PHONE: (800) 685-1111 P.O. BOX 740241, ATLANTA, GA 30374 Page 4 of 5 ------------------------------------------------------------------------------ REF:1-11001-58485-0000 12/11/2014 TID:1-11054-50083 02/02/2015 14:36:34 ------------------------------------------------------------------------------ Consumer Referral Information (continued): ------------------------------------------ XPN - EXPERIAN, PHONE: (888) 397-3742 P.O. BOX 2002, ALLEN, TX 75013 TUC - TRANS UNION, PHONE: (800) 888-4213 P.O. BOX 1000, CHESTER, PA 19022 Prepared By: CoreLogic Credco P.O. BOX 509124 SAN DIEGO, CA 92150 Contact: (800)435-5661 Fax: 800 435 5667 ****** END OF INSTANT MERGE REPORT ****** End of Credit Report ------------------------------------------------------------------------------ REF:1-11001-58485-0000 12/11/2014 TID:1-11054-50083 02/02/2015 14:36:34 Credit Score Disclosure Prepared for: TBI MORTGAGE Address : 250 GIBRALTAR RD, Horsham, PA 19044 ------------------------------------------------------------------------------ Applicant: KERMIT, PITTMAN Current Addr: 6911 STEVENSON DRIVE, MISSOURI CITY, TX 77459 ------------------------------------------------------------------------------ YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT ------------------------------------------------------------------------------ | Your Credit Score | ------------------------------------------------------------------------------ | Your Credit Score | 807 Source : Equifax BEACON 5.0 Date: 12/11/2014 | ------------------------------------------------------------------------------ ------------------------------------------------------------------------------ | Understanding Your Credit Score | ------------------------------------------------------------------------------ | What you should | Your credit score is a number that reflects the | | know about | information in your credit report. | | credit scores | | | | Your credit report is a record of your credit | | | history. It includes information about whether you | | | pay your bills on time and how much you owe to | | | creditors. | | | | | | Your credit score can change, depending on how your | | | credit history changes. | ------------------------------------------------------------------------------ | How we use your | Your credit score can affect whether you can get a | | credit score | loan and how much you have to pay for that loan. | ------------------------------------------------------------------------------ | The range of | Scores range from a low of 334 to a high of 818. | | scores | | | | | | | Generally, the higher your score, the more likely | | | you are to be offered better credit terms. | ------------------------------------------------------------------------------ | How your score | Your credit score ranks higher than 91 percent of | | compares to the | U.S. consumers. | | scores of other | | | consumers | | ------------------------------------------------------------------------------ ------------------------------------------------------------------------------ | Key factors that | 00030 TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO | | adversely affected| SHORT | | your credit score | 00005 TOO MANY ACCOUNTS WITH BALANCES | | | 00008 TOO MANY INQUIRIES LAST 12 MONTHS | | | | --------------------------------------------------------------------------- ------------------------------------------------------------------------------ | Checking Your Credit Report | ------------------------------------------------------------------------------ | What if there are | You have a right to dispute any inaccurate | | mistakes in your | information in your credit report. If you find | | credit report? | mistakes on your credit report, contact the consumer | Page 1 of 3 ------------------------------------------------------------------------------ REF:1-11001-58485-0000 12/11/2014 TID:1-11054-50083 02/02/2015 14:36:34 ------------------------------------------------------------------------------ | | 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| Under federal law, you have the right to obtain a | | a copy of your | free copy of your credit report from each of the | | credit report? | 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 | For more information about credit reports and your | | more information? | rights under federal law, visit the Consumer Financial | | | Protection Bureau's website at | | | www.consumerfinance.gov/learnmore | ------------------------------------------------------------------------------ CoreLogic Credco is a reseller of credit scores provided by the three national repositories, Equifax (EFX), Experian (XPN) and TransUnion (TUC). It is important to note that the information and credit scoring model (s) may be different than the credit scores (s) that may be used by the lender. The name, address, and website for contacting the person or entity who developed the score (s) or developed the methodology of the score (s) are as follows: For Equifax: Equifax Information Services, LLC P.O. Box 740241 Atlanta, GA 30374 (800) 685-1111 www.equifax.com Prepared by: CoreLogic Credco P.O. BOX 509124, SAN DIEGO, CA 92150 800 435 5661 www.credco.com Page 2 of 3 ------------------------------------------------------------------------------ REF:1-11001-58485-0000 12/11/2014 TID:1-11054-50083 02/02/2015 14:36:34 ------------------------------------------------------------------------------ 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. End of Credit Score Disclosure Report ------------------------------------------------------------------------------ REF:1-11001-58485-0000 12/11/2014 TID:1-11054-50083 02/02/2015 14:36:34 Credit Score Disclosure Prepared for: TBI MORTGAGE Address : 250 GIBRALTAR RD, Horsham, PA 19044 ------------------------------------------------------------------------------ Co-Applicant: BONNIE, PITTMAN Current Addr: 6911 STEVENSON DRIVE, MISSOURI CITY, TX 77459 ------------------------------------------------------------------------------ YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT ------------------------------------------------------------------------------ | Your Credit Score | ------------------------------------------------------------------------------ | Your Credit Score | 804 Source : Equifax BEACON 5.0 Date: 12/11/2014 | ------------------------------------------------------------------------------ ------------------------------------------------------------------------------ | Understanding Your Credit Score | ------------------------------------------------------------------------------ | What you should | Your credit score is a number that reflects the | | know about | information in your credit report. | | credit scores | | | | Your credit report is a record of your credit | | | history. It includes information about whether you | | | pay your bills on time and how much you owe to | | | creditors. | | | | | | Your credit score can change, depending on how your | | | credit history changes. | ------------------------------------------------------------------------------ | How we use your | Your credit score can affect whether you can get a | | credit score | loan and how much you have to pay for that loan. | ------------------------------------------------------------------------------ | The range of | Scores range from a low of 334 to a high of 818. | | scores | | | | | | | Generally, the higher your score, the more likely | | | you are to be offered better credit terms. | ------------------------------------------------------------------------------ | How your score | Your credit score ranks higher than 87 percent of | | compares to the | U.S. consumers. | | scores of other | | | consumers | | ------------------------------------------------------------------------------ ------------------------------------------------------------------------------ | Key factors that | 00030 TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO | | adversely affected| SHORT | | your credit score | 00005 TOO MANY ACCOUNTS WITH BALANCES | | | 00008 TOO MANY INQUIRIES LAST 12 MONTHS | | | | --------------------------------------------------------------------------- ------------------------------------------------------------------------------ | Checking Your Credit Report | ------------------------------------------------------------------------------ | What if there are | You have a right to dispute any inaccurate | | mistakes in your | information in your credit report. If you find | | credit report? | mistakes on your credit report, contact the consumer | Page 1 of 3 ------------------------------------------------------------------------------ REF:1-11001-58485-0000 12/11/2014 TID:1-11054-50083 02/02/2015 14:36:34 ------------------------------------------------------------------------------ | | 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| Under federal law, you have the right to obtain a | | a copy of your | free copy of your credit report from each of the | | credit report? | 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 | For more information about credit reports and your | | more information? | rights under federal law, visit the Consumer Financial | | | Protection Bureau's website at | | | www.consumerfinance.gov/learnmore | ------------------------------------------------------------------------------ CoreLogic Credco is a reseller of credit scores provided by the three national repositories, Equifax (EFX), Experian (XPN) and TransUnion (TUC). It is important to note that the information and credit scoring model (s) may be different than the credit scores (s) that may be used by the lender. The name, address, and website for contacting the person or entity who developed the score (s) or developed the methodology of the score (s) are as follows: For Equifax: Equifax Information Services, LLC P.O. Box 740241 Atlanta, GA 30374 (800) 685-1111 www.equifax.com Prepared by: CoreLogic Credco P.O. BOX 509124, SAN DIEGO, CA 92150 800 435 5661 www.credco.com Page 2 of 3 ------------------------------------------------------------------------------ REF:1-11001-58485-0000 12/11/2014 TID:1-11054-50083 02/02/2015 14:36:34 ------------------------------------------------------------------------------ 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. End of Credit Score Disclosure Report <table border="0" width="100%"> <tr><td class="EMBRuleGray">&nbsp;</td></tr> </table></pre> |
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