Applicant: JOSEPH M TESTCASE Experian TransUnion Equifax. Bureau Scores Credit Analyzer Module Rapid Rescore Rapid Rescore Rapid Rescore

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1 Potential Score Improvement File#: Date: Company: Universal Credit Applicant: JSPH M TSTCAS xperian TransUnion quifax Bureau Scores Potential Score Improvement Credit Analyzer Module Rapid Rescore Rapid Rescore Rapid Rescore Credit Assure TM Credit Assure TM searches for inaccurate information (ie, incorrect, outdated, or missing data) It also seeks for the best combination of pay downs, balance transfers, and other activities through credit management scans so that you don't overlook the opportunities to raise a borrower's credit score CreditXpert (R) products are based on information derived from credit reports produced by the major credit reporting agencies CreditXpert Inc is not responsible for inaccurate results, including any due to incorrect, missing, or outdated credit report information Score changes predicted by CreditXpert products are only estimates and are not guaranteed CreditXpert Inc does not represent that CreditXpert Credit Scores TM are identical or similar to credit scores produced by any other company CreditXpert Inc is not associated with Fair Isaac Corporation CreditXpert Inc is not a credit counseling or a credit repair organization TH FRGING IS NT INTNDD T PRVID R IMPLY WARRANTIS F ANY KIND CRDITXPRT PRDUCTS AR PRVIDD N AN "AS IS" BASIS, AND CRDITXPRT INC AND ITS DISTRIBUTRS DISCLAIM ANY AND ALL WARRANTIS, ITHR XPRSS R IMPLID, INCLUDING BUT NT LIMITD T ANY WARRANTY F MRCHANTABILITY, FITNSS FR A PARTICULAR PURPS, NN-INFRINGMNT, SYSTM INTGRATIN, NN-INTRFRNC AND/R ACCURACY F INFRMATINAL CNTNT Copyright (C) 2006, CreditXpert Inc, All rights reserved CreditXpert (R) is a registered trademark of CreditXpert Inc

2 MRGD INFIL CRDIT RPRT FIL # FNMA # DAT CMPLTD RQD' BY CLINT TST PRPARD FR Universal Credit DAT RDRD 201 MARPL AVNU RPSITRIS PRPD' BY CLIFTN HIGHTS, PA PRIC LAN TYP RF # PRPRTY ADDRSS TSTCAS, JSPH M SC SC # DB 08/18/1978 SC SC # DB MARITAL STATUS DPNDNTS CURRNT ADDRSS BLUWATR CIRCL, ANTHILL, M LNGTH PRVIUS ADDRSS LNGTH SCR MDLS QUIFAX/FACTA BACN 50 - JSPH M TSTCAS SCR: SRIUS DLINQUNCY, AND DRGATRY PUBLIC RCRD R CLLCTIN FILD LNGTH F TIM ACCUNTS HAV BN STABLISHD LNGTH F TIM SINC DRGATRY PUBLIC RCRD R CLLCTIN IS T SHRT PRPRTIN F BALANCS T CRDIT LIMITS IS T HIGH N BANK RVLVING R THR RVLVING ACCUNTS FA - NUMBR F INQUIRIS ADVRSLY AFFCTD TH SCR, BUT NT SIGNIFICANTLY TRANSUNIN/FIC CLASSIC (98) - JSPH M TSTCAS SCR: DRGATRY PUBLIC RCRD R CLLCTIN FILD PRPRTIN F BALANCS T CRDIT LIMITS IS T HIGH N BANK RVLVING R THR RVLVING ACCUNTS LNGTH F TIM SINC DRGATRY PUBLIC RCRD R CLLCTIN IS T SHRT LNGTH F TIM ACCUNTS HAV BN STABLISHD XPRIAN/FAIR, ISAAC (VR 2) - JSPH M TSTCAS SCR: DRGATRY PUBLIC RCRD R CLLCTIN FILD 10 - PRPRTIN F BALANC T HIGH CRDIT N BANK RVLVING R ALL RVLVING ACCUNTS 14 - LNGTH F TIM ACCUNTS HAV BN STABLISHD 20 - TIM SINC DRGATRY PUBLIC RCRD R CLLCTIN IS T SHRT 08 - T MANY INQUIRIS LAST 12 MNTHS B B SUNTRUST BK CNTRAL ACCT B B DISCVR FIN SVS LLC ACCT B B AMX ACCT B B CBUSASARS ACCT C A W H S CRDITR DAT RPRTD 03/11 04/10 02/11 04/11 05/07 04/11 03/11 06/09 03/11 04/11 05/07 04/11 PN ACCUNTS DAT HIGH CRDIT PND R LIMIT BALANC STATUS PAST M DU RV DLA ACCT TYP TRMS SURC $19068 AUT $3500 RV $2673 PN $1100 RV $ $365 $2129 MIN $48 $ $1814 $964 MIN $ AS AGRD AS AGRD AS AGRD AS AGRD CA KY: B=BRRWR; C=C-BRRWR; J=JINT; U=UNDSIGNATD; A=AUTHRIZD USR; P=PARTICIPANT; S=C-SIGNR 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 , 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 MARPL AVNU CLIFTN HIGHTS, PA PRPRTY ADDRSS TSTCAS, JSPH M SC SC # DB 08/18/1978 MARITAL STATUS B B CHAS ACCT B B HSBC/BSBUY ACCT B B CAP N BK ACCT B B KAY JWLRS ACCT C A J C A W H S W H S B INSIGHT CU ACCT CLSD B B N/A ACCT CRDITR CRDITR DAT RPRTD DAT PND 04/11 01/08 04/11 04/11 04/07 03/11 04/11 04/09 --/-- 03/11 10/05 --/-- DAT RPRTD 04/10 11/07 03/10 SC SC # DB DPNDNTS PN ACCUNTS HIGH CRDIT BALANC STATUS R LIMIT PAST M DU RV DLA ACCT TYP TRMS SURC $1000 RV $600 RV RV RV $5500 AUT $545 MIN $18 $322 MIN $ AS AGRD AS AGRD CA KY: B=BRRWR; C=C-BRRWR; J=JINT; U=UNDSIGNATD; A=AUTHRIZD USR; P=PARTICIPANT; S=C-SIGNR 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 , 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 AS AGRD AS AGRD CLSD ACCUNTS DAT HIGH CRDIT PND R LIMIT BALANC STATUS PAST M DU RV DLA ACCT TYP TRMS SURC 12/09 08/09 02/09 $261 CLL $261 - MDICAL; RIGINAL CRDITR: MDICAL PAYMNT DATA, ASSIGND N 08/09 B B NC- MDCLR ACCT /11 12/10 06/09 $175 CLL PLACD FR CLLCTIN; RIGINAL CRDITR: MDICAL B B WST ASST MANAGMN ACCT /09 12/08 08/08 RIGINAL CRDITR: MDICAL PAYMNT DATA $50 CLL $ $50 UNK PAID $ CLLCTIN F $ CLLCTIN $ CLLCTIN B B WST ASST MANAGMN ACCT /10 07/10 06/09 $100 CLL PAID CLL ACCUNT PAID FR LSS THAN FULL BALANC; MDICAL; RIGINAL CRDITR: MDICAL PAYMNT DATA, ASSIGND N 07/10; PAID STATUS NT RPRTD BY ALL BURAUS C A W H S CRDITR DAT RPRTD DRGATRY ACCUNTS DAT HIGH CRDIT PND R LIMIT BALANC STATUS PAST M DU RV DLA ACCT TYP TRMS SURC DAT CMPLTD RQD' BY CLINT TST DAT RDRD RPSITRIS PRPD' BY PRIC LAN TYP RF # THR CRDIT HISTRY *** NN *** INQUIRIS (LAST 180 DAYS) *** NN ***

4 FIL # FNMA # PRPARD FR Universal Credit MARPL AVNU CLIFTN HIGHTS, PA PRPRTY ADDRSS TSTCAS, JSPH M SC SC # DB 08/18/1978 SC SC # DB MARITAL STATUS DPNDNTS PUBLIC RCRDS *** NN *** CRDITRS AMRICAN XPRSS P BX 7871, FRT LAUDRDAL, FL ATTNTIN LLC 220 SUNST BLVD ST A, SHRMAN, TX ATTN LLC 220 A NRTH SUNST, SHRMAN, TX BLL TL FD CR UN I/L 206 HILLCRST, RLAND, FL BLL-TL FCU 206 HILLCRST STRT, RLAND, FL BNFICIAL BST BUY 200 BNFICIAL CTR, PAPACK, NJ CAP N BK P BX 85520, RICHMND, VA CAPITAL N BANK USA P BX 85015, RICHMND VA CHAS P BX 15298, WILMINGTN, D CHAS BANK USA, NA, 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 HSBC BST BUY, HSBC/BSBUY P BX 15519, WILMINGTN, D KAY JWLRS 375 GHNT RD, FAIRLAWN, H NC-MDCLR P BX 8547, PHILADLPHIA, PA SARS MASTRCARD SMITH RAD, CLVLAND, H SARS/CBSD P BX 6189, SIUX FALLS, SD BYMAILNLY SUNTRUST BK 6101 CHANCLLR DR, RLAND, FL SUNTRUST BK CNTRAL FL P BX 4986, RLAND, FL WST ASST P BX , ARLANTA, GA MISCLLANUS INFRMATIN - Instant View Password: CY-28CD143 - To verify the authenticity of this credit report, please visit and click on the Instant View link nter report number and password CY-28CD143 to view the report For any inquiries regarding this report or services provided by UNIVRSAL CRDIT SRVICS (CM) please contact us at XPRIAN FRAUD SHILD *** FRAUD SHILD *** 1 - TSTCAS, JSPH M * INPUT SSN ISSUD *** HIGH RISK FRAUD ALRT *** 2 - TSTCAS, JSPH M AVAILABL AND CLAR DAT CMPLTD RQD' BY CLINT TST DAT RDRD RPSITRIS PRPD' BY PRIC LAN TYP RF # TU HIGH RISK FRAUD ALRT TRAD SUMMARY # BALANC HIGH CRDIT PAYMNTS PAST DU MRTGAG AUT DUCATIN CA KY: B=BRRWR; C=C-BRRWR; J=JINT; U=UNDSIGNATD; A=AUTHRIZD USR; P=PARTICIPANT; S=C-SIGNR 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 , 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 # PRPARD FR Universal Credit MARPL AVNU CLIFTN HIGHTS, PA DAT CMPLTD RQD' BY CLINT TST DAT RDRD RPSITRIS PRPD' BY PRIC LAN TYP RF # PRPRTY ADDRSS TSTCAS, JSPH M SC SC # DB 08/18/1978 SC SC # DB MARITAL STATUS DPNDNTS TRAD SUMMARY THR INSTALLMNT PN RVLVING THR TTAL SCURD DBT LDST TRADLIN 10/05 UNSCURD DBT 6260 DBT/HIGH CRDIT 83% DRGATRY SUMMARY CHARG FFS: 0 30 DAYS: 0 INQUIRIS: 0 CLLCTINS: 4 60 DAYS: 0 MST RCNT LAT: undetermined BANKRUPTCY: 0 90 DAYS: 0 PUBLIC RCRDS: 0 THR: 0 SURC F INFRMATIN 1 XPRIAN - PULLD N: 04/27/11 NAM: JSPH M TSTCAS DB: 08/18/78 NAM: JSPH M TSTCAS SR DB: N/A NAM: JSPH N TSTCAS DB: N/A SSN: TRANSUNIN - PULLD N: 04/27/11 - INFIL DAT: 10/01/00 NAM: JSPH M TSTCAS NAM: DB: 08/18/78 SSN: QUIFAX - PULLD N: 04/27/11 - INFIL DAT: 11/23/00 NAM: JSPH M 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 transunioncom/myoptions wwwequifaxcom/fcra *** ND F RPRT 8:31:02 AM *** CA KY: B=BRRWR; C=C-BRRWR; J=JINT; U=UNDSIGNATD; A=AUTHRIZD USR; P=PARTICIPANT; S=C-SIGNR 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 , 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 Your Credit Score and the Price You Pay for Credit Universal Credit 201 MARPL AVNU CLIFTN HIGHTS, PA RPRT #: RTURN SRVIC RQUSTD JSPH M TSTCAS BLUWATR CIRCL ANTHILL, M Your Credit Score Your credit score 622 Model: XPRIAN/FAIR, ISAAC (VR 2) Source: XPRIAN Date: 04/27/11 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 320 to a high of 844 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 26 percent of US consumers DRGATRY PUBLIC RCRD R CLLCTIN FILD PRPRTIN F BALANC T HIGH CRDIT N BANK RVLVING R ALL RVLVING ACCUNTS LNGTH F TIM ACCUNTS HAV BN STABLISHD TIM SINC DRGATRY PUBLIC RCRD R CLLCTIN IS T SHRT T MANY INQUIRIS LAST 12 MNTHS 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 toll-free: 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 For more information about credit reports and your rights under federal law, visit the Federal Reserve Board's

7 more information? web site at wwwfederalreservegov, or the Federal Trade Commission's web site at wwwftcgov

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 If you have questions concerning the terms of the loan, contact the lender

9 Universal Credit 201 MARPL AVNU CLIFTN HIGHTS, PA NTIC T TH HM LAN CRDIT SCR INFRMATIN DISCLSUR TSTCAS, JSPH M BLUWATR CIRCL 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 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 regarding the terms of the loan, contact the lender Your credit scores were provided by the following credit reporting agencies: TRANSUNIN QUIFAX CRDIT XPRIAN P BX 1000 P BX P BX 2002 CHSTR, PA ATLANTA, GA ALLN, TX transunioncom/myoptions wwwequifaxcom/fcra wwwexperiancom/reportaccess The following information about your credit scores was created on Applicant:TSTCAS, JSPH M Name of Score:QUIFAX/FACTA BACN 50 Credit Score:614 Range: Key Factors affecting the score SRIUS DLINQUNCY, AND DRGATRY PUBLIC RCRD R CLLCTIN FILD LNGTH F TIM ACCUNTS HAV BN STABLISHD LNGTH F TIM SINC DRGATRY PUBLIC RCRD R CLLCTIN IS T SHRT PRPRTIN F BALANCS T CRDIT LIMITS IS T HIGH N BANK RVLVING R THR RVLVING ACCUNTS NUMBR F INQUIRIS ADVRSLY AFFCTD TH SCR, BUT NT SIGNIFICANTLY Applicant:TSTCAS, JSPH M Name of Score:TRANSUNIN/FIC CLASSIC (98) Credit Score:627 Range: Key Factors affecting the score DRGATRY PUBLIC RCRD R CLLCTIN FILD PRPRTIN F BALANCS T CRDIT LIMITS IS T HIGH N BANK RVLVING R THR RVLVING ACCUNTS LNGTH F TIM SINC DRGATRY PUBLIC RCRD R CLLCTIN IS T SHRT LNGTH F TIM ACCUNTS HAV BN STABLISHD

10 Applicant:TSTCAS, JSPH M Name of Score:XPRIAN/FAIR, ISAAC (VR 2) Credit Score:622 Range: Key Factors affecting the score DRGATRY PUBLIC RCRD R CLLCTIN FILD PRPRTIN F BALANC T HIGH CRDIT N BANK RVLVING R ALL RVLVING ACCUNTS LNGTH F TIM ACCUNTS HAV BN STABLISHD TIM SINC DRGATRY PUBLIC RCRD R CLLCTIN IS T SHRT T MANY INQUIRIS LAST 12 MNTHS Borrower Signature Date