MERGED INFILE CREDIT REPORT

Transcription

1 TRANSUNIN/FIC CLASSIC (98) MARISL L TSTCAS SCR: LNGTH F TIM ACCUNTS HAV BN STABLISHD 012 LNGTH F TIM LVING ACCUNTS HAV BN STABLISHD 008 T MANY INQUIRIS LAST 12 MNTHS 030 TIM SINC MST RCNT ACCUNT PNING IS T SHRT FA INQUIRIS IMPACTD TH CRDIT SCR XPRIAN/FAIR, ISAAC (VR 2) MARISL TSTCAS SCR: LNGTH F TIM ACCUNTS HAV BN STABLISHD 08 T MANY INQUIRIS LAST 12 MNTHS 09 T MANY ACCUNTS RCNTLY PND MRGD INFIL CRDIT RPRT FIL # FNMA # DAT CMPLTD 1/10/2011 RQD' BY NW ACCUNT PRPARD FR Universal Credit 0522 DAT RDRD 1/10/2011 STUP RPSITRIS PRPD' BY CLIFTN HIGHTS, PA PRIC LAN TYP RF # PRPRTY ADDRSS C TSTCAS, MARISL L C SC SC # DB SC SC # DB DPNDNTS CURRNT ADDRSS 220 LCUST AVNU, ANTHILL, M LNGTH PIUS ADDRSS LNGTH SCR MDLS QUIFAX/FACTA BACN 50 MARISL LMUS TSTCAS SCR: TIM SINC MST RCNT ACCUNT PNING IS T SHRT LNGTH F TIM ACCUNTS HAV BN STABLISHD T MANY INQUIRIS LAST 12 MNTHS LNGTH F TIM LVING ACCUNTS HAV BN STABLISHD B B USAA FDRAL SAVINGS ACCT B B CHAS ACCT B B CITI ACCT B B GMB/JCP ACCT B B GMB/LD NAVY ACCT C A W H S CRDITR DAT RPRTD 12/10 04/10 06/10 01/11 06/10 01/11 01/11 01/11 / 01/11 10/07 06/09 01/11 11/09 06/10 PN ACCUNTS DAT HIGH CRDIT PND R LIMIT BALANC STATUS PAST M DU DLA ACCT TYP TRMS SURC $31206 AUT $4000 $2300 $500 $1200 $ $533 $228 MIN $ AS AGRD AS AGRD AS AGRD AS AGRD AS AGRD CA KY: B=BRRWR; C=CBRRWR; J=JINT; U=UNDSIGNATD; A=AUTHRIZD USR; P=PARTICIPANT; S=CSIGNR UNIVRSAL CRDIT SRVICS (CM): 201 MARPL AV P BX 187, CLIFTN HIGHTS, PA (P) (F) The information is furnished in response to an inquiry for the purpose of evaluating credit risks It has been obtained from sources deemed reliable, the accuracy of which this organization does not guarantee The inquirer has agreed to indemnify that reporting bureau for any damage arising from misuse of this information, and this report is furnished in reliance upon that indemnity It must be held in strict confidence and complies with the provisions of Public Law 91508, the Fair Credit Reporting Act Reporting bureau certifies that all Residential Mortgage Credit Reports meet the standards prescribed by FNMA, FHMC, FHA, VA and the Farmers Home Administration

2 FIL # FNMA # PRPARD FR Universal Credit 0522 CLIFTN HIGHTS, PA PRPRTY ADDRSS TSTCAS, MARISL L SC SC # DB B B HSBC/MCRA ACCT B B MBNA AMRICA ACCT B B WFNNB/BALLS ACCT B B GT SUTHWST INC ACCT UTILITY CMPANY C A W H S CRDITR B B CAT CRPRATIN ACCT DAT RPRTD 01/11 04/07 09/10 01/11 01/11 01/11 01/11 08/10 08/10 12/10 06/10 12/10 07/09 01/07 05/07 B B CITI ACCT /11 04/06 12/10 ACCUNT CLSD AT CNSUMR'S RQUST B B DISCVR FIN SVS LLC ACCT /11 02/08 01/10 ACCUNT CLSD AT CNSUMR'S RQUST B B NBGLMCRAS ACCT /08 04/07 11/07 PURCHASD BY ANTHR LNDR B B TYTA MTR CRDIT ACCT C A W H S CRDITR DAT RPRTD 05/10 04/10 05/10 C SC SC # DPNDNTS PN ACCUNTS DAT HIGH CRDIT BALANC PND R LIMIT STATUS PAST M DU DLA ACCT TYP TRMS SURC $900 $7500 $1000 INST DAT CMPLTD 1/10/2011 RQD' BY NW ACCUNT DAT RDRD 1/10/2011 STUP RPSITRIS PRPD' BY PRIC LAN TYP RF # $200 $1800 $7500 $900 $30973 AUT C AS AGRD AS AGRD AS AGRD AS AGRD CLSD ACCUNTS DAT HIGH CRDIT BALANC STATUS PND R LIMIT PAST M DU DLA ACCT TYP TRMS SURC DRGATRY ACCUNTS *** NN *** THR CRDIT HISTRY *** NN *** INQUIRIS (LAST 180 DAYS) XP/F 01/05/11 FISRV CRDSTAR FINANC TU 01/05/11 CHAS CRDIT RAL STAT XP 12/30/10 MBNA BANKING TU 11/30/10 CITI BANKING XP 07/17/10 WFNNB/BALLS CLTHING DB PAID PAID PAID PAID PAID CA KY: B=BRRWR; C=CBRRWR; J=JINT; U=UNDSIGNATD; A=AUTHRIZD USR; P=PARTICIPANT; S=CSIGNR UNIVRSAL CRDIT SRVICS (CM): 201 MARPL AV P BX 187, CLIFTN HIGHTS, PA (P) (F) The information is furnished in response to an inquiry for the purpose of evaluating credit risks It has been obtained from sources deemed reliable, the accuracy of which this organization does not guarantee The inquirer has agreed to indemnify that reporting bureau for any damage arising from misuse of this information, and this report is furnished in reliance upon that indemnity It must be held in strict confidence and complies with the provisions of Public Law 91508, the Fair Credit Reporting Act Reporting bureau certifies that all Residential Mortgage Credit Reports meet the standards prescribed by FNMA, FHMC, FHA, VA and the Farmers Home Administration

3 FIL # FNMA # PRPARD FR Universal Credit 0522 CLIFTN HIGHTS, PA DAT CMPLTD 1/10/2011 RQD' BY NW ACCUNT DAT RDRD 1/10/2011 STUP RPSITRIS PRPD' BY PRIC LAN TYP RF # PRPRTY ADDRSS C TSTCAS, MARISL L C SC SC # DB SC SC # DB DPNDNTS PUBLIC RCRDS *** NN *** CRDITRS ANB/CITIBANK SD P BX 15687, WILMINGTN, D BANK F AMRICA P BX 17054, WILMINGTN, D CAT P BX 34216, CHARLTT, NC CAT CRPRATIN P BX 34216, CHARLTT, NC CAT'S 8100 DMARK RAD, CHARLTT NC CHAS P BX 15298, WILMINGTN, D CHAS BANK USA, NA, CITI P BX 6497, SIUX FALLS, SD BYMAILNLY CITI BANK P BX 6500 C/ CITI CRP, SIUX FALLS SD CITI CARDS CBSDNA PB 6241, SIUX FALLS, SD CITIBANK SD, NA, CRDSTAR 6350 LAURL CANYN BLVD, NRTH HLLYWD, CA DISCVR FIN SVS LLC P BX 15316, WILMINGTN, D DISCVR FINANCIAL S P BX15316 ATT:CMS/PRD DVLP, WILMINGTN D DISCVR FINANCIAL SRVI PB 15316, WILMINGTN, D GMB/JC PNNY P BX 27570, ALBUQURQU NM GMB/JCP P BX , L PAS, TX GMB/LD NAVY P BX , L PAS, TX GT SUTHWST INC, MBNA AMRICA PB 15026, WILMINGTN, D MCRAS INC P BX 10327, JACKSN, MS NBGLMCRA'S 3455 HWY 80 W, JACKSN, MS NBGLMCRAS CRDIT DP P BX 10327, JACKSN, MS LD NAVY/MCCBG P BX 29116, SHAWN MISSI, KS TWN&CUNTRY/CHASCRDIT 6350 LAURL CANYN 4TH FLR SUIT 450, NRTH HLLYW, CA TYTA MTR CRDIT 8550 UNITD PLZ BVSU90, BATN RUG, LA USAA FD SVG PB 47504, SAN ANTNI, TX USAA FDRAL SAVINGS INTRSTAT HWY 10, SAN ANTNI, TX USAA FDRAL SAVINGS B P BX 47504, SAN ANTNI, TX MISCLLANUS INFRMATIN Instant View Password: CYA92306 To verify the authenticity of this credit report, please visit and click on the Instant View link nter report number and password CYA92306 to view the report For any inquiries regarding this report or services provided by UNIVRSAL CRDIT SRVICS (CM) please contact us at TRAD SUMMARY # BALANC HIGH CRDIT PAYMNTS PAST DU MRTGAG AUT DUCATIN CA KY: B=BRRWR; C=CBRRWR; J=JINT; U=UNDSIGNATD; A=AUTHRIZD USR; P=PARTICIPANT; S=CSIGNR UNIVRSAL CRDIT SRVICS (CM): 201 MARPL AV P BX 187, CLIFTN HIGHTS, PA (P) (F) The information is furnished in response to an inquiry for the purpose of evaluating credit risks It has been obtained from sources deemed reliable, the accuracy of which this organization does not guarantee The inquirer has agreed to indemnify that reporting bureau for any damage arising from misuse of this information, and this report is furnished in reliance upon that indemnity It must be held in strict confidence and complies with the provisions of Public Law 91508, the Fair Credit Reporting Act Reporting bureau certifies that all Residential Mortgage Credit Reports meet the standards prescribed by FNMA, FHMC, FHA, VA and the Farmers Home Administration

4 FIL # FNMA # PRPARD FR Universal Credit 0522 CLIFTN HIGHTS, PA DAT CMPLTD 1/10/2011 RQD' BY NW ACCUNT DAT RDRD 1/10/2011 STUP RPSITRIS PRPD' BY PRIC LAN TYP RF # PRPRTY ADDRSS C TSTCAS, MARISL L C SC SC # DB SC SC # DB DPNDNTS TRAD SUMMARY THR INSTALLMNT PN LVING THR TTAL SCURD DBT LDST TRADLIN 04/06 UNSCURD DBT 228 DBT/HIGH CRDIT 59% DRGATRY SUMMARY CHARG FFS: 0 30 DAYS: 0 INQUIRIS: 5 CLLCTINS: 0 60 DAYS: 0 MST RCNT LAT: / BANKRUPTCY: 0 90 DAYS: 0 PUBLIC RCRDS: 0 THR: 0 SURC F INFRMATIN 1 XPRIAN PULLD N: 01/10/11 NAM: MARISL TSTCAS DB: N/A NAM: LMUS TSTCAS DB: N/A NAM: TSTCAS MARISL DB: N/A SSN: TRANSUNIN PULLD N: 01/10/11 INFIL DAT: 06/01/01 NAM: MARISL L TSTCAS NAM: TSTCAS,LMUS,M NAM: DB: 05/27/80 SSN: QUIFAX PULLD N: 01/10/11 INFIL DAT: 06/30/01 NAM: MARISL LMUS TSTCAS DB: 05/27/80 NAM: LMUS TSTCAS SSN: DISCLAIMR 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 XPRIAN TRANSUNIN QUIFAX P BX 2002 P BX 1000 P BX ALLN, TX CHSTR, PA ATLANTA, GA wwwexperiancom/reportaccess wwwtransunioncom wwwequifaxcom CA KY: B=BRRWR; C=CBRRWR; J=JINT; U=UNDSIGNATD; A=AUTHRIZD USR; P=PARTICIPANT; S=CSIGNR UNIVRSAL CRDIT SRVICS (CM): 201 MARPL AV P BX 187, CLIFTN HIGHTS, PA (P) (F) The information is furnished in response to an inquiry for the purpose of evaluating credit risks It has been obtained from sources deemed reliable, the accuracy of which this organization does not guarantee The inquirer has agreed to indemnify that reporting bureau for any damage arising from misuse of this information, and this report is furnished in reliance upon that indemnity It must be held in strict confidence and complies with the provisions of Public Law 91508, the Fair Credit Reporting Act Reporting bureau certifies that all Residential Mortgage Credit Reports meet the standards prescribed by FNMA, FHMC, FHA, VA and the Farmers Home Administration

5 FIL # FNMA # DAT CMPLTD 1/10/2011 RQD' BY NW ACCUNT PRPARD FR Universal Credit 0522 DAT RDRD 1/10/2011 STUP RPSITRIS PRPD' BY CLIFTN HIGHTS, PA PRIC LAN TYP RF # PRPRTY ADDRSS C TSTCAS, MARISL L C SC SC # DB SC SC # DB DPNDNTS *** ND F RPRT 11:12:22 AM *** CA KY: B=BRRWR; C=CBRRWR; J=JINT; U=UNDSIGNATD; A=AUTHRIZD USR; P=PARTICIPANT; S=CSIGNR UNIVRSAL CRDIT SRVICS (CM): 201 MARPL AV P BX 187, CLIFTN HIGHTS, PA (P) (F) The information is furnished in response to an inquiry for the purpose of evaluating credit risks It has been obtained from sources deemed reliable, the accuracy of which this organization does not guarantee The inquirer has agreed to indemnify that reporting bureau for any damage arising from misuse of this information, and this report is furnished in reliance upon that indemnity It must be held in strict confidence and complies with the provisions of Public Law 91508, the Fair Credit Reporting Act Reporting bureau certifies that all Residential Mortgage Credit Reports meet the standards prescribed by FNMA, FHMC, FHA, VA and the Farmers Home Administration

6 Universal Credit Your Credit Score and the Price You Pay for Credit MARISL L TSTCAS 220 LCUST AVNU ANTHILL, M Your Credit Score Your credit score 743 Model: QUIFAX/FACTA BACN 50 Source: QUIFAX Date: 01/10/11 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 Key factors that adversely affected your credit score Your credit score ranks higher than 58 percent of US consumers TIM SINC MST RCNT ACCUNT PNING IS T SHRT LNGTH F TIM ACCUNTS HAV BN STABLISHD T MANY INQUIRIS LAST 12 MNTHS LNGTH F TIM LVING ACCUNTS HAV BN STABLISHD Checking Your Credit Report What if there are mistakes in your credit report? How can you obtain a copy of 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 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 tollfree: n the web: Visit wwwannualcreditreportcom By mail: Mail your completed Annual Credit Report Request Form (which you can obtain from the Federal Trade Commission's web site at to: Annual Credit Report Request Service P Box Atlanta, GA How can you get more information? For more information about credit reports and your rights under federal law, visit the Federal Reserve Board's web site at wwwfederalreservegov, or the Federal Trade Commission's web site at wwwftcgov

7 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 creditrelated 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

8 Universal Credit CLIFTN HIGHTS, PA NTIC T TH HM LAN CRDIT SCR INFRMATIN DISCLSUR TSTCAS, MARISL L 220 LCUST AVNU ANTHILL, M 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 creditrelated 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: TRANS UNIN QUIFAX CRDIT XPRIAN P BX 4000 P BX P BX 2002 CHSTR, PA ATLANTA, GA ALLN, TX wwwtransunioncom wwwequifaxcom wwwexperiancom/reportaccess The following information about your credit scores was created on 1/10/2011 Applicant:TSTCAS, MARISL L Name of Score:QUIFAX/FACTA BACN 50 Credit Score:743 Range: Key Factors affecting the score TIM SINC MST RCNT ACCUNT PNING IS T SHRT LNGTH F TIM ACCUNTS HAV BN STABLISHD T MANY INQUIRIS LAST 12 MNTHS LNGTH F TIM LVING ACCUNTS HAV BN STABLISHD Applicant:TSTCAS, MARISL L Name of Score:TRANSUNIN/FIC CLASSIC (98) Credit Score:741 Range: Key Factors affecting the score LNGTH F TIM ACCUNTS HAV BN STABLISHD LNGTH F TIM LVING ACCUNTS HAV BN STABLISHD T MANY INQUIRIS LAST 12 MNTHS TIM SINC MST RCNT ACCUNT PNING IS T SHRT INQUIRIS IMPACTD TH CRDIT SCR

9 Applicant:TSTCAS, MARISL L Name of Score:XPRIAN/FAIR, ISAAC (VR 2) Credit Score:745 Range: Key Factors affecting the score LNGTH F TIM ACCUNTS HAV BN STABLISHD T MANY INQUIRIS LAST 12 MNTHS T MANY ACCUNTS RCNTLY PND Borrower Signature Date