Quote:
|
Originally Posted by StackboiTank
RIPPER. SENT BTC & NEVER RECIEVED PROFILES; ORDERED 7
|
BigT Please Revise...
I did deliver!
Добавлено через 3 минуты 25 секунд
Code:
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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
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REF:1-11001-58485-0000 12/11/2014 TID:1-11054-50083 02/02/2015 14:36:34
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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
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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
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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
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REF:1-11001-58485-0000 12/11/2014 TID:1-11054-50083 02/02/2015 14:36:34
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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
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REF:1-11001-58485-0000 12/11/2014 TID:1-11054-50083 02/02/2015 14:36:34
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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
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REF:1-11001-58485-0000 12/11/2014 TID:1-11054-50083 02/02/2015 14:36:34
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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
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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
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REF:1-11001-58485-0000 12/11/2014 TID:1-11054-50083 02/02/2015 14:36:34
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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
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