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<pre class="alt2" dir="ltr" style="
margin: 0px;
padding: 6px;
border: 1px solid rgb(0, 0, 0);
width: 640px;
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text-align: left;
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border-radius: 5px;
font-size: 11px;
text-shadow: none;">https://www.crdclub.ws/newthread.php?do=newthread&f=25</pre>
SAMPLES:
RANDOM SSN DOB
Code:
<pre class="alt2" dir="ltr" style="
margin: 0px;
padding: 6px;
border: 1px solid rgb(0, 0, 0);
width: 640px;
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text-shadow: none;">(345407, SHAWN ONIFER , 2/19/1973 , 2620 NOTTINGHAM ROAD<br />\rUpper Arlington, OH 43221 , (614) 725-4316 , (614) 946-6080 , (614) 645-4580 , [email protected] , 165526982 , Not Required , RT459127 , OH , False , U.S. BANK NATIONAL ASSOCIATION , U.S. BANK NATIONAL ASSOCIATION , EP-MN-WN1A<br />\rST. PAUL, MN 55107 , (800) 937-6310 , Checking , 2147483647 , 42000013 , 1/1/0001 , 2500 , Bi Weekly , 12/27/2013 , 7/12/2013 , Direct Deposit , Bi-Weekly , 1/10/2014 , CITY OF COLUMBUS , (614) 645-4580 , Police officer ),</pre>
CR FULLZ SAMPLE
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;">
CREDIT AGENCY: CIC CREDIT ID : 1386900
REPOSITORIES : XP/TU/EF LOAN NUMBER:
PREPARED FOR : Security National Mo ORDER DATE : 8/12/2017
9737 GREAT HILL TRAIL STE 200 REPORT DATE: 8/12/2017
AUSTIN, TX 78759 RQD' BY : AJ MILLER
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APPLICANT:DELAUGHTER, DENNIS R SR. CO-APP:DELAUGHTER, CYNTHIA G
SSN :458-02-5421 CO-SSN:464-06-3177
ADDRESS :7201 RANCH ROAD 2222 #1118, AUSTIN, TX 78730*
5510 NAVARRO ST., HOUSTON, TX 77056*
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S C O R E M O D E L S
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DENNIS DELAUGHTER - 458025421
EXPERIAN/FAIR, ISAAC (VER. 2) 808
08 - TOO MANY INQUIRIES LAST 12 MONTHS
10 - PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING
OR ALL REVOLVING ACCOUNTS
06 - TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS
05 - TOO MANY ACCOUNTS WITH BALANCES
DENNIS R DELAUGHTER JR - 458025421
TRANSUNION/FICO CLASSIC (04) 806
030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
011 - AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
028 - NUMBER OF ESTABLISHED ACCOUNTS
005 - TOO MANY ACCOUNTS WITH BALANCES
FA - INQUIRIES IMPACTED THE CREDIT SCORE
CYNTHIA DELAUGHTER - 464063177
EXPERIAN/FAIR, ISAAC (VER. 2) 821
24 - NO RECENT REVOLVING BALANCES
06 - TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS
CYNTHIA G DELAUGHTER - 464063177
TRANSUNION/FICO CLASSIC (04) 808
030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
024 - NO RECENT REVOLVING BALANCES
005 - TOO MANY ACCOUNTS WITH BALANCES
012 - LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
CYNTHIA G DELAUGHTER - 464063177
EQUIFAX/FACTA BEACON 5.0 807
00030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
00024 - NO RECENT REVOLVING BALANCES
00008 - TOO MANY INQUIRIES LAST 12 MONTHS
00005 - TOO MANY ACCOUNTS WITH BALANCES
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P U B L I C R E C O R D S
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*** NO RECORD FOUND ***
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D E R O G A T O R Y A C C O U N T S
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*** NO RECORD FOUND ***
Page: 1/9
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APPLICANT:DELAUGHTER, DENNIS R SR.
SSN :458-02-5421
ADDRESS :7201 RANCH ROAD 2222 #1118, AUSTIN, TX 78730*
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O P E N A C C O U N T S
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E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
-------------------------------------------------------------------
J J WELLS FARGO HM MORTGAG180 08/14 $102500 AS AGREED
9360377455845 MTG 05/11 $86477 36 0 0 0
08/14 $1214 XP/TU/EF
08/14: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-CCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST; FREDDIE MAC ACCOUNT;
B B AMEX 001 07/14 $13290 AS AGREED
3499909585598503 OPEN 09/82 $13290 38 0 0 0
--/-- $13290 XP/TU
07/14: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B DISCOVER FIN SVCS LLC MIN 07/14 $11800 AS AGREED
601100829452 REV 02/92 $2244 99 0 0 0
06/14 $131 XP/TU
07/14: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B AMEXDSNB 07/14 $10000 AS AGREED
37748161858 REV 09/13 $0 11 0 0 0
--/-- $0 XP/TU
07/14: CCCCCCCCCCC
B B BARCLAYS BANK DELAWARE 07/14 $5000 AS AGREED
00015537497 REV 07/12 $0 25 0 0 0
--/-- $0 XP/TU
07/14: CCCCCCCCCCCCCCCCCCCCCCCCC
B B CAP ONE NA 08/14 $6800 AS AGREED
426692101561 REV 10/01 $0 38 0 0 0
--/-- $0 XP/TU
08/14: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;
B B CAP1/NEIMN 04/14 $10000 AS AGREED
4187238 REV 05/76 $0 99 0 0 0
11/13 $0 XP
04/14: CCCCCCCCCCCCCCCCCCCCCCCCC
Page: 2/9
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APPLICANT:DELAUGHTER, DENNIS R SR.
SSN :458-02-5421
ADDRESS :7201 RANCH ROAD 2222 #1118, AUSTIN, TX 78730*
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B J CHASE 07/14 $15900 AS AGREED
405037110151 REV 08/99 $0 99 0 0 0
11/10 $0 XP/TU/EF
07/14: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
J B CNH INDUSTRIAL CAPITAL 07/14 $21000 AS AGREED
504393111170 REV 03/97 $0 99 0 0 0
05/14 $0 XP/TU
07/14: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B COMENITY BANK/EXPRESS 05/12 $1000 AS AGREED
34225 REV 02/12 $0 3 0 0 0
04/12 $0 XP/TU
05/12: CCC
B B MCYDSNB 07/14 $1700 AS AGREED
976095680 REV 09/13 $0 11 0 0 0
11/13 $0 XP/TU
07/14: CCCCCCCCCCC
C C SYNCB/BANAREPDC 08/14 $1024 AS AGREED
447993107424 REV 06/13 $0 14 0 0 0
07/13 $0 XP/TU/EF
08/14: CCCCCCCCCCCCCC
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C L O S E D A C C O U N T S
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E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
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J J ABN AMRO MORTGAGE GROU360 09/07 $417600 PAID
3300638744876 MTG 07/03 $0 47 0 0 0
08/07 $0 XP/TU/EF
09/07: -CCCCCCCCCCCCCCCCCC----CCCCCCCCCCC-CC--CCCCCCCC
REMARK: TRANSFERRED TO ANOTHER LENDER; CONVENTIONAL REAL ESTATE
LOAN, INCLUDING PURCHASE MONEY FIRST;
C C AMEX DSNB 04/13 $300 PAID
377481601148825 REV 08/08 $0 20 0 0 0
09/08 $0 XP/TU/EF
04/13: -CCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER;
Page: 3/9
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APPLICANT:DELAUGHTER, DENNIS R SR.
SSN :458-02-5421
ADDRESS :7201 RANCH ROAD 2222 #1118, AUSTIN, TX 78730*
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B B CAP1/MITSU 07/09 $7500 PAID
54160110892 REV 06/03 $0 48 0 0 0
12/04 $0 XP/TU
07/09: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CLOSED;
C C CAP1/SAKS 06/07 $304 PAID
100143 REV 11/97 $0 50 0 0 0
08/03 $0 XP
06/07: -CCCCCCCCCCCCCCCCCCCCCCC-
B B CHASE 06/11 $6800 PAID
426692101561 REV 10/01 $0 99 0 0 0
--/-- $0 XP/TU
06/11: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: PURCHASED BY ANOTHER LENDER; ACCOUNT CLOSED;
J J CHASE 360 06/14 $417000 PAID
4651167250461 MTG 05/11 $0 36 0 0 0
05/14 $0 XP/TU/EF
06/14: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST; FREDDIE MAC ACCOUNT;
B B CITI/SHELL 09/05 $350 PAID
723602 REV 01/99 $0 47 0 0 0
10/01 $0 XP
09/05: -CCCCCCCCCCCCCCCCCCCCCCCC
J J CITIMORTGAGE INC 360 05/11 $417600 PAID
638744876 MTG 07/03 $0 45 0 0 0
04/11 $0 XP/TU/EF
05/11: --CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST;
B J EXXMBLCITI 01/13 $300 PAID
7302199510982275 REV 05/88 $0 48 0 0 0
03/09 $0 XP/TU/EF
01/13: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;
Page: 4/9
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APPLICANT:DELAUGHTER, DENNIS R SR.
SSN :458-02-5421
ADDRESS :7201 RANCH ROAD 2222 #1118, AUSTIN, TX 78730*
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J C SYNCB/JCP 07/14 $124 PAID
600889433749 REV 11/96 $0 48 0 0 0
--/-- $0 XP/TU/EF
07/14: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CLOSED;
B B SYNCB/TWEETR 07/14 $7000 PAID
603009020006 REV 08/01 $0 48 0 0 0
07/05 $0 XP/TU
07/14: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;
C C VISDSNB 09/11 $500 PAID
4308517131501888 REV 06/03 $0 99 0 0 0
07/03 $0 XP/TU/EF
09/11: -CCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CREDIT GRANTOR'S REQUEST;
J J WELLS FARGO BANK NV NA 04/08 $1000 PAID
66166151834720001 REV 05/88 $0 53 0 0 0
06/07 $0 XP/EF
04/08: -CCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CHECK CREDIT OR LINE OF CREDIT;
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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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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 0 INQUIRIES 3
COLLECTIONS 0 60 DAYS 0
BANKRUPTCY 0 90 DAYS 0
PUBLIC RECORDS 0 OTHER 0
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T R A D E S U M M A R Y
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Page: 5/9
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APPLICANT:DELAUGHTER, DENNIS R SR.
SSN :458-02-5421
ADDRESS :7201 RANCH ROAD 2222 #1118, AUSTIN, TX 78730*
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# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 4 86477 102500 1214 0
AUTO 0 0 0 0 0
EDUCATION 0 0 0 0 0
OTHER INSTALLM 0 0 0 0 0
OPEN 1 13290 13290 13290 0
REVOLVING 20 2244 84224 131 0
OTHER 0 0 0 0 0
TOTAL 25 102011 200014 14635 0
SECURED DEBT 86477 HIGH CREDIT 200014
UNSECURED DEBT 15534 DEBT/HIGH CREDIT 51%
OLDEST TRADE 05/76
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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 05/12/14 FADV/RESIDENT DATA MISC
EF 05/12/14 LEXISNEXIS MISC
TU 04/16/14 DEERE CR SVC FINANCE
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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
DENNIS DELAUGHTER 458025421 DOB: 08/29/52
DENNIS R DELAUGHTER SR 458025421 DOB: N/A
458-02-5421
5433 WESTHEIMER RD, HOUSTON, TX 77056-5322 03/12 -
01/14
5510 NAVARRO ST, HOUSTON, TX 77056-6235 06/03 - 12/13
PO BOX 849, EDNA, TX 77957-0849 11/00 - 02/10
PFM//PO BOX 349, EDNA TE 09/02
SELF PFM//EDNA TX 08/98
2 - EXPERIAN
CYNTHIA DELAUGHTER 464063177 DOB: 11/08/52
CYNTHIA A DELAUGHTER 464063177 DOB: N/A
464-06-3177
5510 NAVARRO ST, HOUSTON, TX 77056-6235 06/03 - 09/11
3300 SAGE RD, HOUSTON, TX 77056-7049 09/02 - 06/03
906 RIVER OAKS CT, EAST BERNARD, TX 77435-9602 08/88
- 03/03
FULBRIGHT JAWORSKI//1301 MC KINNEY SUITE 5100, HOUSTON
TE 09/02
P F M// 01/97
3 - TRANSUNION
DENNIS R DELAUGHTER JR
DOB: 08/29/52
458-02-5421
5510 NAVARRO ST, HOUSTON, TX 77056 04/05
849 PO BOX 849, EDNA, TX 77957 05/05
5433 WESTHEIMER RD #415, HOUSTON, TX 77056
PROGRESSIVE FARM//
Page: 6/9
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APPLICANT:DELAUGHTER, DENNIS R SR.
SSN :458-02-5421
ADDRESS :7201 RANCH ROAD 2222 #1118, AUSTIN, TX 78730*
-------------------------------------------------------------------
4 - TRANSUNION
CYNTHIA G DELAUGHTER
DOB: 11/08/52
464-06-3177
5510 NAVARRO ST, HOUSTON, TX 77056 04/04
849 PO BOX 849, EDNA, TX 77957 04/04
906 RIVER OAKS CT, EAST BERNARD, TX 77435
6 - EQUIFAX
CYNTHIA G DELAUGHTER DOB: 11/08/52
464-06-3177
5510 NAVARRO ST, HOUSTON, TX 77056 05/04 - 08/14
PO BOX 849, EDNA, TX 77957 10/02 - 01/13
906 RIVER OAKS CT, EAST BERNARD, TX 77435 06/02 -
07/14
PROGRESSIVE FARM MANGEMNT//
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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: CL-4D7408B
To verify the authenticity of this credit report, please visit
https://cic.meridianlink.com and click on the Instant View link.
Enter report number 1386900 and password CL-4D7408B to view the
report. For any inquiries regarding this report or services
provided by CIC CREDIT please contact us at 800-352-5882.
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C R E D I T O R S
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- ABAMROMTG [EF] 800-783-8900
2600 W BIG BEAVER ROAD,TROY MI 48084-3306
- ABN AMRO MORTGAGE GROU [XP] 800-783-8900
2600 W BIG BEAVER RD,TROY MI 48084
- ABN-AMRO [TU] 248-457-5234
PO BOX 9438,GAITHERSBURG, MD 20898
- AMEX [XP/TU] 800-874-2717
PO BOX 297871,FORT LAUDERDALE, FL 33329
- AMEX DSNB [TU] 800-243-6552
PO BOX 8218,MASON, OH 45040
- BANKONE NA [XP] 800-436-7927
800 BROOKSEDGE BLVD,WESTERVILLE OH 43081
- BRCLYSBANKDE [TU] 866-370-5931
P.O. BOX 8803,WILMINGTON, DE 19899
- CAP ONE NA [TU]
11013 W BROAD ST,GLEN ALLEN VA 23060
- CAP1/MITSU [TU] 800-695-6950
PO BOX 30253,SALT LAKE CITY, UT 84130
- CAPITAL ONE FSB [XP] 800-955-7070
PO BOX 26625,RICHMOND VA 23261
- CHASE MANHATTAN MORTGA [XP/TU/EF] 800-548-7912
10790 RANCHO BERNARDO RD,SAN DIEGO CA 92127
Page: 7/9
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APPLICANT:DELAUGHTER, DENNIS R SR.
SSN :458-02-5421
ADDRESS :7201 RANCH ROAD 2222 #1118, AUSTIN, TX 78730*
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- CIC CREDIT - NO NEW ACCOUNT [TU] 615-386-2282
2206 21ST AVE S STE 303,NASHVILLE, TN 37212
- CITI/SHELL [XP] 800-331-3703
PO BOX 15687,WILMINGTON DE 19850
- CITIMORTGAGE INC [XP/TU] 800-283-7918
15851 CLAYTON RD,BALLWIN MO 63011
- CITIMORTGE [EF] 800-283-7918
15851 CLAYTON ROAD MS-301,BALLWIN, MO 63011
- CNH CAP AMER [TU] 800-501-5711
PO BOX 3600,LANCASTER, PA 17604
- CNH CAPITAL AMERICA LL [XP] 800-357-1837
233 LAKE AVE,RACINE, WI 53403
- DEERE CR SVC [TU] 515-224-2800
6400 NW 86TH STREE PO BOX 6600,JOHNSTON, IA 50131
- DISCOVER FIN [TU] 800-347-2683
POB 15316,WILMINGTON DE 19850
- DISCOVER FINANCIAL SVC [XP] 800-347-2683
PO BOX 15316,WILMINGTON DE 19850
- DSNB MACYS [TU] 866-593-2543
3039 CORNWALLIS RD,DURHAM NC 27709
- EXXMBLCITI [XP/TU/EF] 800-344-4355
PO BOX 6497,SIOUX FALLS, SD 57117
- GECRB/JCP [TU] 866-227-5213
PO BOX 965007,ORLANDO, FL 32896
- GECRB/TWEETR [TU] 866-396-8254
C/O PO BOX 965036,ORLANDO, FL 32896
- GEMB/BANAREPDC [XP] 800-234-7455
PO BOX 981400,EL PASO, TX 79998
- GEMB/TWEETER TX [XP] 866-396-8254
PO BOX 981439,EL PASO, TX 79998
- HSBC/MITSU [XP] 800-656-3005
90 CHRISTIANA RD,NEW CASTLE, DE 19720
- JUNIPER BANK [XP] 302-622-8990
1007 N ORANGE ST,WILMINGTON DE 19801
- MBGA/JC PENNEY [XP] 800-527-0881
PO BOX 981131,EL PASO TX 79998
- NATIONSBANK [XP] (706) 549-87
P O BOX 992,ATHENS GA 30613
- W FARGO BK [EF] 800-245-8936
WELLS FARGO DISPUTE CTR/CONS C PO BOX 10438,DES MOINES, IA 503
- WELLS FARGO BANK NV NA [XP] 888-667-6059
PO BOX 10438,DES MOINES IA 50306
- WELLS FARGO HM MORTGAG [XP] 800-288-3212
7495 NEW HORIZON WAY,FREDERICK MD 21703
- WELLS FARGO HOME MTG [EF] 800-262-5294
4680 HALLMARK PARKWAY X0701-01K,SAN BERNARDINO, CA 92407
- WFNNB/EXPRESS [XP/TU] 800-888-5529
PO BOX 330066,NORTHGLENN, CO 80233
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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
Page: 8/9
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APPLICANT:DELAUGHTER, DENNIS R SR.
SSN :458-02-5421
ADDRESS :7201 RANCH ROAD 2222 #1118, AUSTIN, TX 78730*
-------------------------------------------------------------------
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 19022 ATLANTA,GA 30374 ALLEN,TX 75013
800-888-4213 800-685-1111 888-397-3742
transunion.com/myoptions www.experian.com/reportaccess
www.equifax.com/fcra
*** END OF REPORT 8/25/2017 2:11:22 PM ***
Page: 9/9
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
Security National Mortgage Co. REPORT #: 1386900
9737 GREAT HILL TRAIL STE 200
AUSTIN, TX 78759
5127955596
RETURN SERVICE REQUESTED
DENNIS R DELAUGHTER
7201 RANCH ROAD 2222 #1118
AUSTIN, TX 78730
================================================== ===============
YOUR CREDIT SCORE - 808
Source: EXPERIAN Date: 08/12/14
Model: EXPERIAN/FAIR, ISAAC (VER. 2)
YOUR CREDIT SCORE - 806
Source: TRANS UNION Date: 08/12/14
Model: TRANSUNION/FICO CLASSIC (04)
================================================== ===============
UNDERSTANDING YOUR CREDIT SCORE
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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.
-----------------------------------------------------------------
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.
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The range of scores:
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EXPERIAN: Scores range from a low of 320 to a high of 844.
TRANS UNION: 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.
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How your score compares to the scores of other consumers:
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EXPERIAN: Your credit score ranks higher than 84 percent of U.S.
consumers.
Page: 1/8
TRANS UNION: Your credit score ranks higher than 89 percent of
U.S. consumers.
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Key factors that adversely affected your credit score:
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EXPERIAN
* TOO MANY INQUIRIES LAST 12 MONTHS
* PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL
REVOLVING ACCOUNTS
* TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS
* TOO MANY ACCOUNTS WITH BALANCES
TRANS UNION
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* NUMBER OF ESTABLISHED ACCOUNTS
* TOO MANY ACCOUNTS WITH BALANCES
* INQUIRIES IMPACTED THE CREDIT SCORE
================================================== ===============
CHECKING YOUR CREDIT REPORT
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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.
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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
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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
Page: 2/8
site at www.consumerfinance.gov/learnmore.
Page: 3/8
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.
Your credit scores were provided by the following credit
reporting agencies:
TRANSUNION
PO BOX 1000
CHESTER, PA 19022
800-888-4213
transunion.com/myoptions
EQUIFAX
PO BOX 740241
ATLANTA, GA 30374
800-685-1111
www.equifax.com/fcra
EXPERIAN
PO BOX 2002
ALLEN, TX 75013
888-397-3742
www.experian.com/reportaccess
If you have questions concerning the terms of the loan, contact
the lender.
----------------------------------- -----------------
Signature Date
Page: 4/8
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
Security National Mortgage Co. REPORT #: 1386900
9737 GREAT HILL TRAIL STE 200
AUSTIN, TX 78759
5127955596
RETURN SERVICE REQUESTED
CYNTHIA G DELAUGHTER
7201 RANCH ROAD 2222 #1118
AUSTIN, TX 78730
================================================== ===============
YOUR CREDIT SCORE - 821
Source: EXPERIAN Date: 08/12/14
Model: EXPERIAN/FAIR, ISAAC (VER. 2)
YOUR CREDIT SCORE - 808
Source: TRANS UNION Date: 08/12/14
Model: TRANSUNION/FICO CLASSIC (04)
YOUR CREDIT SCORE - 807
Source: EQUIFAX Date: 08/12/14
Model: EQUIFAX/FACTA BEACON 5.0
================================================== ===============
UNDERSTANDING YOUR CREDIT SCORE
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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:
-----------------------------------------------------------------
EXPERIAN: Scores range from a low of 320 to a high of 844.
TRANS UNION: Scores range from a low of 309 to a high of 839.
EQUIFAX: 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.
Page: 5/8
-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
EXPERIAN: Your credit score ranks higher than 92 percent of U.S.
consumers.
TRANS UNION: Your credit score ranks higher than 91 percent of
U.S. consumers.
EQUIFAX: Your credit score ranks higher than 91 percent of U.S.
consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
EXPERIAN
* NO RECENT REVOLVING BALANCES
* TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS
TRANS UNION
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* NO RECENT REVOLVING BALANCES
* TOO MANY ACCOUNTS WITH BALANCES
* LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
EQUIFAX
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* NO RECENT REVOLVING BALANCES
* TOO MANY INQUIRIES LAST 12 MONTHS
* TOO MANY ACCOUNTS WITH BALANCES
================================================== ===============
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
Page: 6/8
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?
-----------------------------------------------------------------
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: 7/8
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.
Your credit scores were provided by the following credit
reporting agencies:
TRANSUNION
PO BOX 1000
CHESTER, PA 19022
800-888-4213
transunion.com/myoptions
EQUIFAX
PO BOX 740241
ATLANTA, GA 30374
800-685-1111
www.equifax.com/fcra
EXPERIAN
PO BOX 2002
ALLEN, TX 75013
888-397-3742
www.experian.com/reportaccess
If you have questions concerning the terms of the loan, contact
the lender.
----------------------------------- -----------------
Signature Date
Page: 8/8</pre>