CONSUMER EXPLANATION LETTER
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1 Explanation Letter ADVANTAGE CREDIT ONLINE SHOW ALL English CONSUMER EXPLANATION LETTER FILE #: 8328 CREDIT REPORT PROVIDED BY: REFERENCE #: TESTCASE DAVID ADVANTAGE CREDIT APPLICANT: TESTCASE, SUSIE 3265 CASTLE COURT SUITE 3 COAPPLICANT: EVERGREEN, CO 8439 ADDRESS: 54 N GRANDVIEW STREET VOICE: ANTHILL, MO FAX RE: CREDIT ACCOUNTS AND INQUIRIES Dear Applicant, A copy of your credit report has been provided to Evergreen Credit Test Acct in association with your recent application. A brief statement may be required by Evergreen Credit Test Acct to explain credit accounts which indicate a past due credit history status, public record items, addresses, and/or credit inquiries*. Please write your explanation below. If additional space is required, use the reverse side of this letter. Please mail or deliver this form to Evergreen Credit Test Acct promptly. If you are unsure of the explanation(s) required, please contact Evergreen Credit Test Acct. IT IS VERY IMPORTANT that you respond to Evergreen Credit Test Acct IN WRITING as soon as possible regarding any items listed below. Please DO NOT send your response to ADVANTAGE CREDIT. Please return this letter to: Evergreen Credit Test Acct 3265 CASTLE COURT EVERGREEN, CO 8439 Phone: * A credit inquiry indicates that a credit grantor has obtained a copy of your credit report. Please indicate if you have applied for credit with the noted firm, if you currently have an account, if credit was denied with the noted firm, or if the inquiry was for employment report. Your credit information has been provided by the following organizations. If you so desire, you can contact us or them to dispute items on your credit report: TRANSUNION EXPERIAN EQUIFAX PO BOX PO BOX 22 PO BOX 7424 CHESTER, PA 922 ALLEN, TX 753 ATLANTA, GA transunion.com/myoptions The credit bureau or credit agency plays no part in the decision to take any action on your application request, and is unable to provide you with specific reasons for the decision on an application. U.S. Criminal Code, Section, Title 8, U.S.C., "Department of Housing and Urban Development and Federal Housing Administration transactions", Provides in part: "Whoever, for the purpose of... influencing in any way the action of such Department... makes, passes, utters, or publishes any statement, knowing the same to be false... shall be fined not more than $5, or imprisoned not more than two years or both." DEROGATORY ACCOUNTS CAP ONE BK REV 9/2 $398 $ CUR WAS 3 6:46: AM]
2 Explanation Letter ADVANTAGE CREDIT ONLINE ACCT23 MIN 9/7 $7 6 /8 8/2 2 CHASE MANHATTAN MORT ACCT24 MTG 36 5/ 9/7 $ /9 29 PD WAS 3 4/9 5/ CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY FIRST 3 GLELSI/CITIBANK N A ACCT 2/7 8/ $ /6 PD WAS 9 9/6 7/5 4 TU SM SERVICING ACCT4 4/6 3/95 $ /5 4 PD WAS 9 2/5 /6 TRANSFERRED TO ANOTHER LENDER; COLLATERAL: DEFERRED PMT 5 XP/TU STUDENT LOAN MKT ASS ACCT5 4/6 3/95 $ /5 37 PD WAS 9 2/5 /6 TRANSFERRED TO ANOTHER LENDER 6 XP/TU STUDENT LOAN MKT ASS ACCT9 4/6 9/97 $ /5 37 PD WAS 9 2/5 /6 TRANSFERRED TO ANOTHER LENDER 6:46: AM]
3 Explanation Letter ADVANTAGE CREDIT ONLINE 7 EF BK SUN PR ACCT6 OTHE 2/6 5/ BANKRUPTCY / 7/6 8 CITI AUTO ACCT9 AUTO 36 8/9 3/6 $ /9 4/9 3/9 2/ /9 7/9 27 CHARGE OFF 7/9 7/9 SECURED LOAN 9 FHUTCREDADV ACCT8 REV 2/ /6 $ BANKRUPTCY / 7/6 INCLUDED IN BANKRUPTCY PUBLIC RECORDS JACKSONVLE Docket #: P FILE DATE 2/6 PLAINTIFF AMOUNT STATUS DATE 5/7 DISCHARGED ACTION TYPE CHAPTER 7 BANKRUPTCY *** P ADDRESSES Address Time Frame Source. 2 W WILDWOOD ST, ANTHILL, MO /5 9/7 B N GRANDVIEW ST 2, ANTHILL, MO /7 9/7 TU/EFB 6:46: AM]
4 Explanation Letter ADVANTAGE CREDIT ONLINE N GRANDVIEW ST, ANTHILL, MO /7 5/2 XPB N GRANDVIEW ST, ANTHILL, MO CURRENT User SuppliedB ADELPHI RD 3, ANTHILL, MO TU/EFB ADELPHI RD, ANTHILL, MO /96 4/ XPB INQUIRIES (LAST 2 DAYS) Inquiries Date Reported Source New Credit Opened?. NCO FINANCIAL SYSTEMS 8/3/2 XPB 2. NCO CREDIT S 8/3/2 TUB 3. CB NPR FL 8/3/2 EFB 4. NCO GROUP 8/3/2 EFB 5. LANDAM CR SV 8/28/2 TUB 6. INFOGA 8/28/2 EFB 7. CDS 6/28/2 TU/EFB 6:46: AM]
5 Explanation Letter ADVANTAGE CREDIT ONLINE APPLICANT NAME VARIATION Name Source Explanation. CASE,DAVID,TEST TU 2. DAVID C CASE XP 3. DAVID C TESTCASE 4. DAVID C TESTCASECASE EF 5. DAVID CURRAN TESTCASE EF 6. DAVID E TESTCASE XP 7. DAVID TEST CASE XP 8. DAVID TESTCASE CASE EF 9. DAVID TESTCASE TESTCASE EF *** END OF REPORT 7/22/23 5:46:3 AM *** Borrower Signature Date ** REMIT ALL CORRESPONDENCE TO: Evergreen Credit Test Acct 3265 CASTLE COURT EVERGREEN, CO :46: AM]
OPEN ACCOUNTS HI CREDIT PAYMENT $533 $31206 BALANCE PAST DUE $28626 HI CREDIT PAYMENT $4000 $10 BALANCE PAST DUE $228 HI CREDIT PAYMENT $500 BALANCE
3265 CASTLE COURT SUITE 3, EVERGREEN, CO 8439 Phone: 33677993 Fax: 3367867 MERGED INFILE CREDIT REPORT Reporting Bureau certifies compliance contractual requirements governing check of public records with
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