https://ucsmeridianlinkcom/shared/reports/print_htmaspx?reporttype=prq&orderid=3427708 TRANSUNIN/FIC CLASSIC (98) MARISL L TSTCAS 000000001 SCR: 741 014 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 000000001 SCR: 745 14 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 # 3427708 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 19018 PRIC LAN TYP RF # PRPRTY ADDRSS C TSTCAS, MARISL L C SC SC # 000000001 DB SC SC # DB DPNDNTS CURRNT ADDRSS 220 LCUST AVNU, ANTHILL, M 65488 LNGTH PIUS ADDRSS LNGTH SCR MDLS QUIFAX/FACTA BACN 50 MARISL LMUS TSTCAS 000000001 SCR: 743 00030 TIM SINC MST RCNT ACCUNT PNING IS T SHRT 00014 LNGTH F TIM ACCUNTS HAV BN STABLISHD 00008 T MANY INQUIRIS LAST 12 MNTHS 00012 LNGTH F TIM LVING ACCUNTS HAV BN STABLISHD B B USAA FDRAL SAVINGS ACCT000006 B B CHAS ACCT000002 B B CITI ACCT000004 B B GMB/JCP ACCT000007 B B GMB/LD NAVY ACCT000008 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 30 60 90+ DLA ACCT TYP TRMS SURC $31206 AUT $4000 $2300 $500 $1200 $28626 069 $533 $228 MIN $10 9 0 0 0 AS AGRD 7 0 0 0 AS AGRD 1 0 0 0 AS AGRD 39 0 0 0 AS AGRD 15 0 0 0 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 19018 (P) 6102841000 (F) 6102841500 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
https://ucsmeridianlinkcom/shared/reports/print_htmaspx?reporttype=prq&orderid=3427708 FIL # 3427708 FNMA # PRPARD FR Universal Credit 0522 CLIFTN HIGHTS, PA 19018 PRPRTY ADDRSS TSTCAS, MARISL L SC SC # 000000001 DB B B HSBC/MCRA ACCT000010 B B MBNA AMRICA ACCT000001 B B WFNNB/BALLS ACCT000011 B B GT SUTHWST INC ACCT000005 UTILITY CMPANY C A W H S CRDITR B B CAT CRPRATIN ACCT000014 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 ACCT000009 01/11 04/06 12/10 ACCUNT CLSD AT CNSUMR'S RQUST B B DISCVR FIN SVS LLC ACCT000003 01/11 02/08 01/10 ACCUNT CLSD AT CNSUMR'S RQUST B B NBGLMCRAS ACCT000013 02/08 04/07 11/07 PURCHASD BY ANTHR LNDR B B TYTA MTR CRDIT ACCT000012 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 30 60 90+ 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 001 072 C 35 0 0 0 AS AGRD 1 0 0 0 AS AGRD 6 0 0 0 AS AGRD 1 0 0 0 AS AGRD CLSD ACCUNTS DAT HIGH CRDIT BALANC STATUS PND R LIMIT PAST M 30 60 90+ 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 31 0 0 0 PAID 57 0 0 0 PAID 35 0 0 0 PAID 09 0 0 0 PAID 2 0 0 0 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 19018 (P) 6102841000 (F) 6102841500 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
https://ucsmeridianlinkcom/shared/reports/print_htmaspx?reporttype=prq&orderid=3427708 FIL # 3427708 FNMA # PRPARD FR Universal Credit 0522 CLIFTN HIGHTS, PA 19018 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 # 000000001 DB SC SC # DB DPNDNTS PUBLIC RCRDS *** NN *** CRDITRS ANB/CITIBANK SD P BX 15687, WILMINGTN, D 19850 8005335600 BANK F AMRICA P BX 17054, WILMINGTN, D 19850 8004212110 CAT P BX 34216, CHARLTT, NC 28234 7045567018 CAT CRPRATIN P BX 34216, CHARLTT, NC 28234 7045882428 CAT'S 8100 DMARK RAD, CHARLTT NC 28210 CHAS P BX 15298, WILMINGTN, D 19850 8009559900 CHAS BANK USA, NA, 8009559900 CITI P BX 6497, SIUX FALLS, SD 57117 BYMAILNLY CITI BANK P BX 6500 C/ CITI CRP, SIUX FALLS SD 571176500 CITI CARDS CBSDNA PB 6241, SIUX FALLS, SD 57117 8008430777 CITIBANK SD, NA, 8005335600 CRDSTAR 6350 LAURL CANYN BLVD, NRTH HLLYWD, CA 91606 8187626262 DISCVR FIN SVS LLC P BX 15316, WILMINGTN, D 19850 8003472683 DISCVR FINANCIAL S P BX15316 ATT:CMS/PRD DVLP, WILMINGTN D 198505316 DISCVR FINANCIAL SRVI PB 15316, WILMINGTN, D 19850 GMB/JC PNNY P BX 27570, ALBUQURQU NM 871257570 8005420800 GMB/JCP P BX 984100, L PAS, TX 79998 8005420800 GMB/LD NAVY P BX 981400, L PAS, TX 79998 8772226868 GT SUTHWST INC, 8773255156 MBNA AMRICA PB 15026, WILMINGTN, D 19801 8004212110 MCRAS INC P BX 10327, JACKSN, MS 39289 6019684293 NBGLMCRA'S 3455 HWY 80 W, JACKSN, MS 39209 6019684293 NBGLMCRAS CRDIT DP P BX 10327, JACKSN, MS 39289 6019684220 LD NAVY/MCCBG P BX 29116, SHAWN MISSI, KS 66201 TWN&CUNTRY/CHASCRDIT 6350 LAURL CANYN 4TH FLR SUIT 450, NRTH HLLYW, CA 8187626262 91606 TYTA MTR CRDIT 8550 UNITD PLZ BVSU90, BATN RUG, LA 70809 5049296600 USAA FD SVG PB 47504, SAN ANTNI, TX 78265 2104982265 USAA FDRAL SAVINGS 10750 INTRSTAT HWY 10, SAN ANTNI, TX 78265 USAA FDRAL SAVINGS B P BX 47504, SAN ANTNI, TX 78265 8005312265 MISCLLANUS INFRMATIN Instant View Password: CYA92306 To verify the authenticity of this credit report, please visit https://ucsmeridianlinkcom and click on the Instant View link nter report number 3427708 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 6102841000 TRAD SUMMARY # BALANC HIGH CRDIT PAYMNTS PAST DU MRTGAG 0 0 0 0 0 AUT 2 28626 31206 533 0 DUCATIN 0 0 0 0 0 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 19018 (P) 6102841000 (F) 6102841500 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
https://ucsmeridianlinkcom/shared/reports/print_htmaspx?reporttype=prq&orderid=3427708 FIL # 3427708 FNMA # PRPARD FR Universal Credit 0522 CLIFTN HIGHTS, PA 19018 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 # 000000001 DB SC SC # DB DPNDNTS TRAD SUMMARY THR INSTALLMNT 1 0 0 0 0 PN 0 0 0 0 0 LVING 11 228 17400 10 0 THR 0 0 0 0 0 TTAL 14 28854 48606 543 0 SCURD DBT 28626 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 000000001 DB: N/A NAM: LMUS TSTCAS 000000001 DB: N/A NAM: TSTCAS MARISL 000000001 DB: N/A SSN: 000000001 2 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: 000000001 3 QUIFAX PULLD N: 01/10/11 INFIL DAT: 06/30/01 NAM: MARISL LMUS TSTCAS DB: 05/27/80 NAM: LMUS TSTCAS SSN: 000000001 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 740241 ALLN, TX 75013 CHSTR, PA 19016 ATLANTA, GA 30374 8883973742 8008884213 8006851111 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 19018 (P) 6102841000 (F) 6102841500 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
https://ucsmeridianlinkcom/shared/reports/print_htmaspx?reporttype=prq&orderid=3427708 FIL # 3427708 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 19018 PRIC LAN TYP RF # PRPRTY ADDRSS C TSTCAS, MARISL L C SC SC # 000000001 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 19018 (P) 6102841000 (F) 6102841500 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
https://ucsmeridianlinkcom/shared/reports/print_htmaspx?reporttype=prq&orderid=3427708 Universal Credit Your Credit Score and the Price You Pay for Credit MARISL L TSTCAS 220 LCUST AVNU ANTHILL, M 65488 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: 18773228228 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 http://wwwftcgov/bcp/conline/include/requestformfinalpdf) to: Annual Credit Report Request Service P Box 105281 Atlanta, GA 303485281 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
https://ucsmeridianlinkcom/shared/reports/print_htmaspx?reporttype=prq&orderid=3427708 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
https://ucsmeridianlinkcom/shared/reports/print_htmaspx?reporttype=prq&orderid=3427708 Universal Credit CLIFTN HIGHTS, PA 19018 7324775131 NTIC T TH HM LAN CRDIT SCR INFRMATIN DISCLSUR TSTCAS, MARISL L 220 LCUST AVNU ANTHILL, M 65488 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 740241 P BX 2002 CHSTR, PA 19016 ATLANTA, GA 30374 ALLN, TX 75013 8668872673 8006851111 8883973742 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:334818 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:336843 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
https://ucsmeridianlinkcom/shared/reports/print_htmaspx?reporttype=prq&orderid=3427708 Applicant:TSTCAS, MARISL L Name of Score:XPRIAN/FAIR, ISAAC (VR 2) Credit Score:745 Range:320844 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