Peter Blanchette Pedo Advanced Dox | by SPYDIR[Rich] | 2023-01-02 | 11486 views | 2 comments | Report
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+---------------------------------------------------------------+
| Introduction |
+---------------------------------------------------------------+
PERSON NAME: BLANCHETTE, PETER L - Pedophile talking with V4M thinking we were 15 years of age.
= The Most Advanced Dox I have ever done. =
= I have a lot more pedophiles with logs =
= If you would like some Predators to Expose Let me know =
=====================================================================================
=====================================================================================
=================================== CREDS ===========================================
===============================~#~ Mr. Noiz ~#~======================================
www.noizthagod.net | Instagram.com/NoizThaGod | Github.com/NoizThaGod | noizsmms.shop
=====================================================================================
=====================================================================================
PERSON NAME: BLANCHETTE, PETER L
PERSON SSN : 030-48-4559
FIRST NAME : BLANCHETTE
LAST NAME : PETER L
PERSON DOB : 04/09/54
PERSON ADRESS: 2509 WATERTOWN MALL, HOUSTON, TX 77057
PERSON SCORE: 819
-------------------------------------------------------------------
APPLICANT:BLANCHETTE, PETER L CO-APP:BLANCHETTE, BARBARA K
SSN :030-48-4559 CO-SSN:450-84-0599
ADDRESS :2509 WATERTOWN MALL, HOUSTON, TX 77057
-------------------------------------------------------------------
S O U R C E O F I N F O R M A T I O N
-------------------------------------------------------------------
1 - EXPERIAN
PETER L BLANCHETTE 030484559 DOB: 04/09/54
PETE L BLANCHETTE 030484559 DOB: N/A
030-48-4559
2509 WATERTOWN MALL, HOUSTON, TX 77057-4517 06/18 -
04/19
7171 GASTON AVE APT 1126, DALLAS, TX 75214-6137 06/17
- 07/18
8714 CHARING CROSS LN, DALLAS, TX 75238-3812 07/89 -
05/17
CITY OF DALLAS// 04/17
SURFACE EXPLORATION// 05/93
2 - EXPERIAN
BARBARA K BLANCHETTE 450840599 DOB: 07/30/55
450-84-0599
2509 WATERTOWN MALL, HOUSTON, TX 77057-4517 06/18 -
04/19
7171 GASTON AVE APT 1126, DALLAS, TX 75214-6137 06/17
- 07/18
8714 CHARING CROSS LN, DALLAS, TX 75238-3812 12/88 -
10/16
RODY KENT//
3 - TRANSUNION
PETER L BLANCHETTE
DOB: 04/09/54
030-48-4559
2509 WATERTOWN MA, HOUSTON, TX 77057-4517 06/18
8714 CHARING CROSS LN, DALLAS, TX 75238-3812 05/93
7171 GASTON AV #1126, DALLAS, TX 75214-6137 06/17
CITY OF HOUSTON/FORESTER/ 02/19
CITY OF DALLAS//
4 - TRANSUNION
BARBARA K BLANCHETTE
DOB: 07/30/55
450-84-0599
2509 WATERTOWN MA, HOUSTON, TX 77057-4517 06/18
8714 CHARING CROSS LN, DALLAS, TX 75238-3812 05/93
7171 GASTON AV #1126, DALLAS, TX 75214-6137 06/17
5 - EQUIFAX
PETER L BLANCHETTE DOB: 04/09/54
030-48-4559
2509 WATERTOWN MALL, HOUSTON, TX 77057 06/18 - 06/19
7171 GASTON AVE APT 1126, DALLAS, TX 75214 06/17 -
?-------------------------------------------------------------------
APPLICANT:BLANCHETTE, PETER L
SSN :030-48-4559
ADDRESS :2509 WATERTOWN MALL, HOUSTON, TX 77057
-------------------------------------------------------------------
05/19
8714 CHARING CROSS LN, DALLAS, TX 75238 06/04 - 07/17
CITY OF DALLAS/ARBORIST/
SURFACE EXPLO//
6 - EQUIFAX
BARBARA K BLANCHETTE DOB: 07/30/55
BABARA K BLANCHETTE
450-84-0599
2509 WATERTOWN MALL, HOUSTON, TX 77057 06/18 - 06/19
7171 GASTON AVE APT 1126, DALLAS, TX 75214 06/17 -
05/19
8714 CHARING CROSS LN, DALLAS, TX 75238 03/86 - 07/17
PIX PAY SERVI//
FREELANCE DIR//
-------------------------------------------------------------------
S C O R E M O D E L S
-------------------------------------------------------------------
PETER L BLANCHETTE - 030484559
EQUIFAX/FICO CLASSIC V5 FACTA 807
00030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
00005 - TOO MANY ACCOUNTS WITH BALANCES
00023 - NUMBER OF BANK OR NATIONAL REVOLVING ACCOUNTS WITH
BALANCES
PETER L BLANCHETTE - 030484559
TRANSUNION/FICO CLASSIC (04) 799
030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
003 - PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
005 - TOO MANY ACCOUNTS WITH BALANCES
008 - TOO MANY INQUIRIES LAST 12 MONTHS
FA - INQUIRIES IMPACTED THE CREDIT SCORE
PETER L BLANCHETTE - 030484559
EXPERIAN/FAIR, ISAAC (VER. 2) 819
09 - TOO MANY ACCOUNTS RECENTLY OPENED
05 - TOO MANY ACCOUNTS WITH BALANCES
BARBARA K BLANCHETTE - 450840599
EQUIFAX/FICO CLASSIC V5 FACTA 802
00030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
00005 - TOO MANY ACCOUNTS WITH BALANCES
00023 - NUMBER OF BANK OR NATIONAL REVOLVING ACCOUNTS WITH
BALANCES
BARBARA K BLANCHETTE - 450840599
TRANSUNION/FICO CLASSIC (04) 799
030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
003 - PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
005 - TOO MANY ACCOUNTS WITH BALANCES
008 - TOO MANY INQUIRIES LAST 12 MONTHS
FA - INQUIRIES IMPACTED THE CREDIT SCORE
?-------------------------------------------------------------------
APPLICANT:BLANCHETTE, PETER L
SSN :030-48-4559
ADDRESS :2509 WATERTOWN MALL, HOUSTON, TX 77057
-------------------------------------------------------------------
BARBARA K BLANCHETTE - 450840599
EXPERIAN/FAIR, ISAAC (VER. 2) 819
09 - TOO MANY ACCOUNTS RECENTLY OPENED
05 - TOO MANY ACCOUNTS WITH BALANCES
-------------------------------------------------------------------
A L E R T
-------------------------------------------------------------------
PETER L BLANCHETTE YOB: 1954
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED
BARBARA K BLANCHETTE YOB: 1955
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED
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T U I D V I S I O N A L E R T
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BLANCHETTE, PETER L 030-48-4559
REMARK: AVAILABLE AND CLEAR
BLANCHETTE, BARBARA K 450-84-0599
REMARK: AVAILABLE AND CLEAR
-------------------------------------------------------------------
O P E N A C C O U N T S
-------------------------------------------------------------------
E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
-------------------------------------------------------------------
J J TD AUTO FINANCE 072 04/19 $14400 AS AGREED
1102839362 AUTO 03/19 $14298 2 0 0 0
04/19 $237 XP/TU/EF
04/19: CC
J J COLONIAL SAVINGS FA 360 04/19 $150000 AS AGREED
30090365 MTG 09/16 $8382 32 0 0 0
04/19 $1166 XP/TU/EF
04/19: CCCCCCCCCCCCCCCCC----CCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST; FREDDIE MAC ACCOUNT;
J J DISCOVER FIN SVCS LLC MIN 06/19 $24000 AS AGREED
601100****** REV 04/91 $995 99 0 0 0
05/19 $35 XP/TU/EF
06/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
?-------------------------------------------------------------------
APPLICANT:BLANCHETTE, PETER L
SSN :030-48-4559
ADDRESS :2509 WATERTOWN MALL, HOUSTON, TX 77057
-------------------------------------------------------------------
J J JPMCB CARD MIN 05/19 $21500 AS AGREED
414720****** REV 05/93 $535 99 0 0 0
05/19 $25 XP/TU/EF
05/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;
-------------------------------------------------------------------
C L O S E D A C C O U N T S
-------------------------------------------------------------------
E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
-------------------------------------------------------------------
J J BB&T 048 09/14 $29455 PAID
40791700669251001 AUTO 08/11 $0 38 0 0 0
09/14 $0 XP/TU/EF
09/14: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B CAPITAL ONE AUTO FINAN060 06/17 $32000 PAID
62031359215481001 AUTO 04/17 $0 3 0 0 0
06/17 $0 XP/TU/EF
06/17: -CC
B B CBNA 02/13 $2501 PAID
603532******9398 REV 08/06 $0 78 0 0 0
01/07 $0 XP/EF
06/10: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
C C CBNA 02/13 $2501 PAID
603532******9975 REV 08/06 $0 78 0 0 0
12/06 $0 XP/EF
01/10: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;
J J CHASE HL 60 11/10 $20000 PAID
419420014512 MTG 09/06 $0 50 0 0 0
10/10 $0 XP/TU/EF
10/10: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
J J COLONIAL SAVINGS FA 120 09/09 $46954 PAID
471959 MTG 07/03 $0 76 0 0 0
08/09 $0 XP/TU/EF
09/09:
-CCCCCCCCCCCCCCCCCCC-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-CC
REMARK: FHA REAL ESTATE LOAN;
?-------------------------------------------------------------------
APPLICANT:BLANCHETTE, PETER L
SSN :030-48-4559
ADDRESS :2509 WATERTOWN MALL, HOUSTON, TX 77057
-------------------------------------------------------------------
J J HYUNDAIMTR 60 06/17 $26571 PAID
20141000859697 AUTO 09/14 $0 32 0 0 0
04/17 $0 XP/TU/EF
06/17: ---CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FIXED RATE;
B B HYUNDAIMTR 48 08/10 $11883 PAID
20080205311808 AUTO 02/08 $0 30 0 0 0
06/10 $0 XP/TU/EF
07/10: --CCCCCCCCCCCCCCCCCCCCCCCCCCCC
B J JPMCB CARD 001 09/11 $0 PAID
414720****** OPEN 05/11 $0 4 0 0 0
--/-- $0 XP/TU/EF
09/11: -CCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;
C C JPMCB CARD 02/10 $11000 PAID
541822****** REV 06/06 $0 44 0 0 0
02/08 $0 XP/EF
02/10: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
-------------------------------------------------------------------
D E R O G A T O R Y A C C O U N T S
-------------------------------------------------------------------
*** NO RECORD FOUND ***
-------------------------------------------------------------------
C O L L E C T I O N A C C O U N T S
-------------------------------------------------------------------
*** NO RECORD FOUND ***
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O T H E R C R E D I T H I S T O R Y
-------------------------------------------------------------------
*** NO RECORD FOUND ***
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P U B L I C R E C O R D S
-------------------------------------------------------------------
*** NO RECORD FOUND ***
-------------------------------------------------------------------
I N Q U I R I E S ( L A S T 1 2 0 D A Y S )
-------------------------------------------------------------------
TU 03/02/19 TD AUTO FINA FINANCE
TU 03/02/19 FIFTH THIRD BANKING
EF 03/02/19 STERMCHY AUTOMOTIVE
?-------------------------------------------------------------------
APPLICANT:BLANCHETTE, PETER L
SSN :030-48-4559
ADDRESS :2509 WATERTOWN MALL, HOUSTON, TX 77057
-------------------------------------------------------------------
-------------------------------------------------------------------
C R E D I T O R S
-------------------------------------------------------------------
- BB&T [XP/TU/EF] 888-562-6228
PO BOX 1847,WILSON NC 27894
- CAPITAL ONE AUTO FIN [EF] p#800-946-03
3901 NORTH DALLAS TOLLWAY,PLANO, TX 75093
- CAPITAL ONE AUTO FINAN [XP/TU] 800-946-0332
3901 DALLAS PKWY,PLANO TX 75093
- CHASE [XP/TU/EF] 800-955-9900
201 N WALNUT ST,WILMINGTON, DE 19801
- CITIBANK USA [MANUAL] 800-388-4142
CCS GRAY OPS CENTER,GRAY, TN 37615
- COLNIAL-ML [EF] 817-390-2000
,
- COLONIAL SAVINGS & LOA [XP] 800-937-6001
PO BOX 2988,FORT WORTH, TX 76113
- COLONIAL SVG [TU] 817-390-2000
P O BOX 2988,FORT WORTH, TX 76113
- Credit Plus [TU] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- DISCOVER FIN SVCS LLC [XP] 800-347-2683
PO BOX 15316,WILMINGTON, DE 19850
- DISCOVER FINANCIAL SERVI [TU] 800-347-2683
POB 15316,WILMINGTON, DE 19850
- DISCOVR CD [EF] 800-347-5342
PO BOX15316,WILMINGTON DE 19850
- FIFTH THIRD [TU] 513-579-5353
38 FOUNTAIN SQUARE,CINCINNATI, OH 45263
- HYUNDAI FINC [TU] 800-523-4030
10550 TALBERT AV,FOUNTAIN VALLEY, CA 92708
- HYUNDAI MOTOR FINANCE [XP] 800-523-4030
10550 TALBERT AVE,FOUNTAIN VALLEY, CA 92708
- HYUNDAIMTR [EF] 714-965-3000
10550 TALBERT,FOUNTAIN VALLEY, CA 92628
- TD AUTO FINA [TU] 800-556-8172
27777 INKSTER RD,FARMINGTON HIL, MI 48334
- TD AUTO FINANCE [XP/TU] 800-222-1701
PO BOX 9223,FARMINGTON HILLS, MI 48333
- THD/CBSD [XP] 866-875-5488
PO BOX 9714 (home depot),GRAY TN 37615
-------------------------------------------------------------------
T R A D E S U M M A R Y
-------------------------------------------------------------------
?-------------------------------------------------------------------
APPLICANT:BLANCHETTE, PETER L
SSN :030-48-4559
ADDRESS :2509 WATERTOWN MALL, HOUSTON, TX 77057
-------------------------------------------------------------------
# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 3 8382 150000 1166 0
AUTO 5 14298 14400 237 0
EDUCATION 0 0 0 0 0
OTHER INSTALLM 0 0 0 0 0
OPEN 1 0 0 0 0
REVOLVING 5 1530 45500 60 0
OTHER 0 0 0 0 0
TOTAL 14 24210 209900 1463 0
SECURED DEBT 22680 HIGH CREDIT 209900
UNSECURED DEBT 1530 REV CREDIT UTILIZATION 3%
OLDEST TRADE 04/91 TOTAL DEBT/HIGH CREDIT 12%
-------------------------------------------------------------------
D E R O G A T O R Y S U M M A R Y
-------------------------------------------------------------------
CHARGE OFFS 0 30 DAYS 0 INQUIRIES 3
COLLECTIONS 0 60 DAYS 0 DISPUTES 0
BANKRUPTCY 0 90 DAYS 0
PUBLIC RECORDS 0 OTHER 0
-------------------------------------------------------------------
M I S C E L L A N E O U S I N F O R M A T I O N
-------------------------------------------------------------------
Instant View Password: AV-4007ECA
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 48680305 and password AV-4007ECA to view the
report. For any inquiries regarding this report or services
provided by CREDIT PLUS 2 please contact us at (800) 258-3488.
-------------------------------------------------------------------
D I S C L A I M E R
-------------------------------------------------------------------
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.
TRANS UNION EQUIFAX EXPERIAN
PO BOX 1000 PO BOX 740256 PO BOX 2002
CHESTER,PA 19016 ATLANTA,GA 30374 ALLEN,TX 75013
800-916-8800 800-685-1111 888-397-3742
transunion.com/myoptions www.experian.com/reportaccess
www.equifax.com/fcra
Page: 7/8
?-------------------------------------------------------------------
APPLICANT:BLANCHETTE, PETER L
SSN :030-48-4559
ADDRESS :2509 WATERTOWN MALL, HOUSTON, TX 77057
-------------------------------------------------------------------
-------------------------------------------------------------------
T R E N D S U M M A R Y
-------------------------------------------------------------------
?
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 317 REPORT #: 48680305
1450 LAKE ROBBINS DR STE 360 REFERENCE #: 3170003461
THE WOODLANDS, TX 77380
2813677005
RETURN SERVICE REQUESTED
PETER L BLANCHETTE
2509 WATERTOWN MALL
HOUSTON, TX 77057
=================================================================
YOUR CREDIT SCORE - 819
Source: EXPERIAN Date: 06/07/19
Model: EXPERIAN/FAIR, ISAAC (VER. 2)
=================================================================
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:
-----------------------------------------------------------------
Your credit score ranks higher than 91 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TOO MANY ACCOUNTS RECENTLY OPENED
* TOO MANY ACCOUNTS WITH BALANCES
=================================================================
CHECKING YOUR CREDIT REPORT
?
-----------------------------------------------------------------
What if there are mistakes in 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.
-----------------------------------------------------------------
How can you obtain a copy of your credit report?
-----------------------------------------------------------------
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: 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 more information?
-----------------------------------------------------------------
For more information about credit reports and your rights under
Federal law, visit the Consumer Financial Protection Bureau's web
site at www.consumerfinance.gov/learnmore.
?
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.
?
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 317 REPORT #: 48680305
1450 LAKE ROBBINS DR STE 360 REFERENCE #: 3170003461
THE WOODLANDS, TX 77380
2813677005
RETURN SERVICE REQUESTED
BARBARA K BLANCHETTE
2509 WATERTOWN MALL
HOUSTON, TX 77057
=================================================================
YOUR CREDIT SCORE - 819
Source: EXPERIAN Date: 06/07/19
Model: EXPERIAN/FAIR, ISAAC (VER. 2)
=================================================================
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:
-----------------------------------------------------------------
Your credit score ranks higher than 91 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TOO MANY ACCOUNTS RECENTLY OPENED
* TOO MANY ACCOUNTS WITH BALANCES
=================================================================
CHECKING YOUR CREDIT REPORT
?
-----------------------------------------------------------------
What if there are mistakes in 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.
-----------------------------------------------------------------
How can you obtain a copy of your credit report?
-----------------------------------------------------------------
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: 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 more information?
-----------------------------------------------------------------
For more information about credit reports and your rights under
Federal law, visit the Consumer Financial Protection Bureau's web
site at www.consumerfinance.gov/learnmore.
?
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.
?
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 317 REPORT #: 48680305
1450 LAKE ROBBINS DR STE 360 REFERENCE #: 3170003461
THE WOODLANDS, TX 77380
2813677005
RETURN SERVICE REQUESTED
PETER L BLANCHETTE
2509 WATERTOWN MALL
HOUSTON, TX 77057
=================================================================
YOUR CREDIT SCORE - 799
Source: TRANS UNION Date: 06/07/19
Model: TRANSUNION/FICO CLASSIC (04)
=================================================================
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 309 to a high of 839.
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:
-----------------------------------------------------------------
Your credit score ranks higher than 83 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
* TOO MANY ACCOUNTS WITH BALANCES
* TOO MANY INQUIRIES LAST 12 MONTHS
* INQUIRIES IMPACTED THE CREDIT SCORE
?
=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
What if there are mistakes in 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.
-----------------------------------------------------------------
How can you obtain a copy of your credit report?
-----------------------------------------------------------------
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: 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 more information?
-----------------------------------------------------------------
For more information about credit reports and your rights under
Federal law, visit the Consumer Financial Protection Bureau's web
site at www.consumerfinance.gov/learnmore.
?
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.
?
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 317 REPORT #: 48680305
1450 LAKE ROBBINS DR STE 360 REFERENCE #: 3170003461
THE WOODLANDS, TX 77380
2813677005
RETURN SERVICE REQUESTED
BARBARA K BLANCHETTE
2509 WATERTOWN MALL
HOUSTON, TX 77057
=================================================================
YOUR CREDIT SCORE - 799
Source: TRANS UNION Date: 06/07/19
Model: TRANSUNION/FICO CLASSIC (04)
=================================================================
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 309 to a high of 839.
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:
-----------------------------------------------------------------
Your credit score ranks higher than 83 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
* TOO MANY ACCOUNTS WITH BALANCES
* TOO MANY INQUIRIES LAST 12 MONTHS
* INQUIRIES IMPACTED THE CREDIT SCORE
?
=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
What if there are mistakes in 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.
-----------------------------------------------------------------
How can you obtain a copy of your credit report?
-----------------------------------------------------------------
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: 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 more information?
-----------------------------------------------------------------
For more information about credit reports and your rights under
Federal law, visit the Consumer Financial Protection Bureau's web
site at www.consumerfinance.gov/learnmore.
?
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.
?
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 317 REPORT #: 48680305
1450 LAKE ROBBINS DR STE 360 REFERENCE #: 3170003461
THE WOODLANDS, TX 77380
2813677005
RETURN SERVICE REQUESTED
PETER L BLANCHETTE
2509 WATERTOWN MALL
HOUSTON, TX 77057
=================================================================
YOUR CREDIT SCORE - 807
Source: EQUIFAX Date: 06/07/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA
=================================================================
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 334 to a high of 818.
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:
-----------------------------------------------------------------
Your credit score ranks higher than 90 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* TOO MANY ACCOUNTS WITH BALANCES
* NUMBER OF BANK OR NATIONAL REVOLVING ACCOUNTS WITH BALANCES
=================================================================
?
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
What if there are mistakes in 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.
-----------------------------------------------------------------
How can you obtain a copy of your credit report?
-----------------------------------------------------------------
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: 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 more information?
-----------------------------------------------------------------
For more information about credit reports and your rights under
Federal law, visit the Consumer Financial Protection Bureau's web
site at www.consumerfinance.gov/learnmore.
?
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.
?
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 317 REPORT #: 48680305
1450 LAKE ROBBINS DR STE 360 REFERENCE #: 3170003461
THE WOODLANDS, TX 77380
2813677005
RETURN SERVICE REQUESTED
BARBARA K BLANCHETTE
2509 WATERTOWN MALL
HOUSTON, TX 77057
=================================================================
YOUR CREDIT SCORE - 802
Source: EQUIFAX Date: 06/07/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA
=================================================================
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 334 to a high of 818.
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:
-----------------------------------------------------------------
Your credit score ranks higher than 84 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* TOO MANY ACCOUNTS WITH BALANCES
* NUMBER OF BANK OR NATIONAL REVOLVING ACCOUNTS WITH BALANCES
=================================================================
?
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
What if there are mistakes in 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.
-----------------------------------------------------------------
How can you obtain a copy of your credit report?
-----------------------------------------------------------------
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: 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 more information?
-----------------------------------------------------------------
For more information about credit reports and your rights under
Federal law, visit the Consumer Financial Protection Bureau's web
site at www.consumerfinance.gov/learnmore.
?
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.
?
CORNERSTONE HOME LENDING INC - 317
1450 LAKE ROBBINS DR STE 360
THE WOODLANDS, TX 77380
2813677005
NOTICE TO THE HOME LOAN APPLICANT
CREDIT SCORE INFORMATION DISCLOSURE
BLANCHETTE, PETER L
2509 WATERTOWN MALL
HOUSTON, TX 77057
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:
TRANSUNION EQUIFAX EXPERIAN
PO BOX 2000 PO BOX 740241 PO BOX 2002
CHESTER, PA 19016 ATLANTA, GA 30374 ALLEN, TX 75013
800-916-8800 800-685-1111 888-397-3742
transunion.com/myoptions www.experian.com/reportaccess
www.equifax.com/fcra
The following information about your credit scores was created on
Page: 1/2
?
6/7/2019.
Applicant : BLANCHETTE, PETER L
Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 807 Range: 334-818
Key Factors affecting the score:
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- TOO MANY ACCOUNTS WITH BALANCES
- NUMBER OF BANK OR NATIONAL REVOLVING ACCOUNTS WITH BALANCES
Applicant : BLANCHETTE, PETER L
Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 799 Range: 309-839
Key Factors affecting the score:
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
- TOO MANY ACCOUNTS WITH BALANCES
- TOO MANY INQUIRIES LAST 12 MONTHS
- INQUIRIES IMPACTED THE CREDIT SCORE
Applicant : BLANCHETTE, PETER L
Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 819 Range: 300-850
Key Factors affecting the score:
- TOO MANY ACCOUNTS RECENTLY OPENED
- TOO MANY ACCOUNTS WITH BALANCES
Borrower Signature _________________________________________ Date
__________
?
CORNERSTONE HOME LENDING INC - 317
1450 LAKE ROBBINS DR STE 360
THE WOODLANDS, TX 77380
2813677005
NOTICE TO THE HOME LOAN APPLICANT
CREDIT SCORE INFORMATION DISCLOSURE
BLANCHETTE, BARBARA K
2509 WATERTOWN MALL
HOUSTON, TX 77057
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:
TRANSUNION EQUIFAX EXPERIAN
PO BOX 2000 PO BOX 740241 PO BOX 2002
CHESTER, PA 19016 ATLANTA, GA 30374 ALLEN, TX 75013
800-916-8800 800-685-1111 888-397-3742
transunion.com/myoptions www.experian.com/reportaccess
www.equifax.com/fcra
The following information about your credit scores was created on
Page: 1/2
?
6/7/2019.
Applicant : BLANCHETTE, BARBARA K
Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 802 Range: 334-818
Key Factors affecting the score:
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- TOO MANY ACCOUNTS WITH BALANCES
- NUMBER OF BANK OR NATIONAL REVOLVING ACCOUNTS WITH BALANCES
Applicant : BLANCHETTE, BARBARA K
Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 799 Range: 309-839
Key Factors affecting the score:
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
- TOO MANY ACCOUNTS WITH BALANCES
- TOO MANY INQUIRIES LAST 12 MONTHS
- INQUIRIES IMPACTED THE CREDIT SCORE
Applicant : BLANCHETTE, BARBARA K
Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 819 Range: 300-850
Key Factors affecting the score:
- TOO MANY ACCOUNTS RECENTLY OPENED
- TOO MANY ACCOUNTS WITH BALANCES
Borrower Signature _________________________________________ Date
__________
::: ::: ::::::::: :::: ::: :::::::: ::::::::::: ::::::::: :+:+: :+:+: :+: :+: :+:+: :+: :+: :+: :+: :+: +:+ +:+:+ +:+ +:+ +:+ :+:+:+ +:+ +:+ +:+ +:+ +:+ +#+ +:+ +#+ +#++:++#: +#+ +:+ +#+ +#+ +:+ +#+ +#+ +#+ +#+ +#+ +#+ +#+ +#+#+# +#+ +#+ +#+ +#+ #+# #+# #+# #+# #+# #+#+# #+# #+# #+# #+# ### ### ### ### ### #### ######## ########### ######### ::: ::::::::: ::: ::: ::: :::: ::: :::::::: :::::::::: ::::::::: :+: :+: :+: :+: :+: :+: :+: :+: :+:+: :+: :+: :+: :+: :+: :+: +:+ +:+ +:+ +:+ +:+ +:+ +:+ +:+ :+:+:+ +:+ +:+ +:+ +:+ +:+ +#++:++#++: +#+ +:+ +#+ +:+ +#++:++#++: +#+ +:+ +#+ +#+ +#++:++# +#+ +:+ +#+ +#+ +#+ +#+ +#+ +#+ +#+ +#+ +#+ +#+#+# +#+ +#+ +#+ +#+ #+# #+# #+# #+# #+#+#+# #+# #+# #+# #+#+# #+# #+# #+# #+# #+# ### ### ######### ### ### ### ### #### ######## ########## ######### ::::::::: :::::::: ::: ::: :+: :+: :+: :+: :+: :+: +:+ +:+ +:+ +:+ +:+ +:+ +#+ +:+ +#+ +:+ +#++:+ +#+ +#+ +#+ +#+ +#+ +#+ #+# #+# #+# #+# #+# #+# ######### ######## ### ### +---------------------------------------------------------------+ | Introduction | +---------------------------------------------------------------+ PERSON NAME: BLANCHETTE, PETER L - Pedophile talking with V4M thinking we were 15 years of age. = The Most Advanced Dox I have ever done. = = I have a lot more pedophiles with logs = = If you would like some Predators to Expose Let me know = ===================================================================================== ===================================================================================== =================================== CREDS =========================================== ===============================~#~ Mr. Noiz ~#~====================================== www.noizthagod.net | Instagram.com/NoizThaGod | Github.com/NoizThaGod | noizsmms.shop ===================================================================================== ===================================================================================== PERSON NAME: BLANCHETTE, PETER L PERSON SSN : 030-48-4559 FIRST NAME : BLANCHETTE LAST NAME : PETER L PERSON DOB : 04/09/54 PERSON ADRESS: 2509 WATERTOWN MALL, HOUSTON, TX 77057 PERSON SCORE: 819 ------------------------------------------------------------------- APPLICANT:BLANCHETTE, PETER L CO-APP:BLANCHETTE, BARBARA K SSN :030-48-4559 CO-SSN:450-84-0599 ADDRESS :2509 WATERTOWN MALL, HOUSTON, TX 77057 ------------------------------------------------------------------- S O U R C E O F I N F O R M A T I O N ------------------------------------------------------------------- 1 - EXPERIAN PETER L BLANCHETTE 030484559 DOB: 04/09/54 PETE L BLANCHETTE 030484559 DOB: N/A 030-48-4559 2509 WATERTOWN MALL, HOUSTON, TX 77057-4517 06/18 - 04/19 7171 GASTON AVE APT 1126, DALLAS, TX 75214-6137 06/17 - 07/18 8714 CHARING CROSS LN, DALLAS, TX 75238-3812 07/89 - 05/17 CITY OF DALLAS// 04/17 SURFACE EXPLORATION// 05/93 2 - EXPERIAN BARBARA K BLANCHETTE 450840599 DOB: 07/30/55 450-84-0599 2509 WATERTOWN MALL, HOUSTON, TX 77057-4517 06/18 - 04/19 7171 GASTON AVE APT 1126, DALLAS, TX 75214-6137 06/17 - 07/18 8714 CHARING CROSS LN, DALLAS, TX 75238-3812 12/88 - 10/16 RODY KENT// 3 - TRANSUNION PETER L BLANCHETTE DOB: 04/09/54 030-48-4559 2509 WATERTOWN MA, HOUSTON, TX 77057-4517 06/18 8714 CHARING CROSS LN, DALLAS, TX 75238-3812 05/93 7171 GASTON AV #1126, DALLAS, TX 75214-6137 06/17 CITY OF HOUSTON/FORESTER/ 02/19 CITY OF DALLAS// 4 - TRANSUNION BARBARA K BLANCHETTE DOB: 07/30/55 450-84-0599 2509 WATERTOWN MA, HOUSTON, TX 77057-4517 06/18 8714 CHARING CROSS LN, DALLAS, TX 75238-3812 05/93 7171 GASTON AV #1126, DALLAS, TX 75214-6137 06/17 5 - EQUIFAX PETER L BLANCHETTE DOB: 04/09/54 030-48-4559 2509 WATERTOWN MALL, HOUSTON, TX 77057 06/18 - 06/19 7171 GASTON AVE APT 1126, DALLAS, TX 75214 06/17 - ?------------------------------------------------------------------- APPLICANT:BLANCHETTE, PETER L SSN :030-48-4559 ADDRESS :2509 WATERTOWN MALL, HOUSTON, TX 77057 ------------------------------------------------------------------- 05/19 8714 CHARING CROSS LN, DALLAS, TX 75238 06/04 - 07/17 CITY OF DALLAS/ARBORIST/ SURFACE EXPLO// 6 - EQUIFAX BARBARA K BLANCHETTE DOB: 07/30/55 BABARA K BLANCHETTE 450-84-0599 2509 WATERTOWN MALL, HOUSTON, TX 77057 06/18 - 06/19 7171 GASTON AVE APT 1126, DALLAS, TX 75214 06/17 - 05/19 8714 CHARING CROSS LN, DALLAS, TX 75238 03/86 - 07/17 PIX PAY SERVI// FREELANCE DIR// ------------------------------------------------------------------- S C O R E M O D E L S ------------------------------------------------------------------- PETER L BLANCHETTE - 030484559 EQUIFAX/FICO CLASSIC V5 FACTA 807 00030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT 00005 - TOO MANY ACCOUNTS WITH BALANCES 00023 - NUMBER OF BANK OR NATIONAL REVOLVING ACCOUNTS WITH BALANCES PETER L BLANCHETTE - 030484559 TRANSUNION/FICO CLASSIC (04) 799 030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT 003 - PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH 005 - TOO MANY ACCOUNTS WITH BALANCES 008 - TOO MANY INQUIRIES LAST 12 MONTHS FA - INQUIRIES IMPACTED THE CREDIT SCORE PETER L BLANCHETTE - 030484559 EXPERIAN/FAIR, ISAAC (VER. 2) 819 09 - TOO MANY ACCOUNTS RECENTLY OPENED 05 - TOO MANY ACCOUNTS WITH BALANCES BARBARA K BLANCHETTE - 450840599 EQUIFAX/FICO CLASSIC V5 FACTA 802 00030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT 00005 - TOO MANY ACCOUNTS WITH BALANCES 00023 - NUMBER OF BANK OR NATIONAL REVOLVING ACCOUNTS WITH BALANCES BARBARA K BLANCHETTE - 450840599 TRANSUNION/FICO CLASSIC (04) 799 030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT 003 - PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH 005 - TOO MANY ACCOUNTS WITH BALANCES 008 - TOO MANY INQUIRIES LAST 12 MONTHS FA - INQUIRIES IMPACTED THE CREDIT SCORE ?------------------------------------------------------------------- APPLICANT:BLANCHETTE, PETER L SSN :030-48-4559 ADDRESS :2509 WATERTOWN MALL, HOUSTON, TX 77057 ------------------------------------------------------------------- BARBARA K BLANCHETTE - 450840599 EXPERIAN/FAIR, ISAAC (VER. 2) 819 09 - TOO MANY ACCOUNTS RECENTLY OPENED 05 - TOO MANY ACCOUNTS WITH BALANCES ------------------------------------------------------------------- A L E R T ------------------------------------------------------------------- PETER L BLANCHETTE YOB: 1954 EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS OTHERWISE INDICATED BARBARA K BLANCHETTE YOB: 1955 EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS OTHERWISE INDICATED ------------------------------------------------------------------- T U I D V I S I O N A L E R T ------------------------------------------------------------------- BLANCHETTE, PETER L 030-48-4559 REMARK: AVAILABLE AND CLEAR BLANCHETTE, BARBARA K 450-84-0599 REMARK: AVAILABLE AND CLEAR ------------------------------------------------------------------- O P E N A C C O U N T S ------------------------------------------------------------------- E W CREDITOR TERM REPORT HIGH STATUS ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90 ACTV PAYMENT SOURCE ------------------------------------------------------------------- J J TD AUTO FINANCE 072 04/19 $14400 AS AGREED 1102839362 AUTO 03/19 $14298 2 0 0 0 04/19 $237 XP/TU/EF 04/19: CC J J COLONIAL SAVINGS FA 360 04/19 $150000 AS AGREED 30090365 MTG 09/16 $8382 32 0 0 0 04/19 $1166 XP/TU/EF 04/19: CCCCCCCCCCCCCCCCC----CCCCCCCCCCC REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY FIRST; FREDDIE MAC ACCOUNT; J J DISCOVER FIN SVCS LLC MIN 06/19 $24000 AS AGREED 601100****** REV 04/91 $995 99 0 0 0 05/19 $35 XP/TU/EF 06/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC ?------------------------------------------------------------------- APPLICANT:BLANCHETTE, PETER L SSN :030-48-4559 ADDRESS :2509 WATERTOWN MALL, HOUSTON, TX 77057 ------------------------------------------------------------------- J J JPMCB CARD MIN 05/19 $21500 AS AGREED 414720****** REV 05/93 $535 99 0 0 0 05/19 $25 XP/TU/EF 05/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC REMARK: FLEXIBLE SPENDING CREDIT CARD; ------------------------------------------------------------------- C L O S E D A C C O U N T S ------------------------------------------------------------------- E W CREDITOR TERM REPORT HIGH STATUS ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90 ACTV PAYMENT SOURCE ------------------------------------------------------------------- J J BB&T 048 09/14 $29455 PAID 40791700669251001 AUTO 08/11 $0 38 0 0 0 09/14 $0 XP/TU/EF 09/14: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC B B CAPITAL ONE AUTO FINAN060 06/17 $32000 PAID 62031359215481001 AUTO 04/17 $0 3 0 0 0 06/17 $0 XP/TU/EF 06/17: -CC B B CBNA 02/13 $2501 PAID 603532******9398 REV 08/06 $0 78 0 0 0 01/07 $0 XP/EF 06/10: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC C C CBNA 02/13 $2501 PAID 603532******9975 REV 08/06 $0 78 0 0 0 12/06 $0 XP/EF 01/10: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR; J J CHASE HL 60 11/10 $20000 PAID 419420014512 MTG 09/06 $0 50 0 0 0 10/10 $0 XP/TU/EF 10/10: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC J J COLONIAL SAVINGS FA 120 09/09 $46954 PAID 471959 MTG 07/03 $0 76 0 0 0 08/09 $0 XP/TU/EF 09/09: -CCCCCCCCCCCCCCCCCCC-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-CC REMARK: FHA REAL ESTATE LOAN; ?------------------------------------------------------------------- APPLICANT:BLANCHETTE, PETER L SSN :030-48-4559 ADDRESS :2509 WATERTOWN MALL, HOUSTON, TX 77057 ------------------------------------------------------------------- J J HYUNDAIMTR 60 06/17 $26571 PAID 20141000859697 AUTO 09/14 $0 32 0 0 0 04/17 $0 XP/TU/EF 06/17: ---CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC REMARK: FIXED RATE; B B HYUNDAIMTR 48 08/10 $11883 PAID 20080205311808 AUTO 02/08 $0 30 0 0 0 06/10 $0 XP/TU/EF 07/10: --CCCCCCCCCCCCCCCCCCCCCCCCCCCC B J JPMCB CARD 001 09/11 $0 PAID 414720****** OPEN 05/11 $0 4 0 0 0 --/-- $0 XP/TU/EF 09/11: -CCC REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; C C JPMCB CARD 02/10 $11000 PAID 541822****** REV 06/06 $0 44 0 0 0 02/08 $0 XP/EF 02/10: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC ------------------------------------------------------------------- D E R O G A T O R Y A C C O U N T S ------------------------------------------------------------------- *** NO RECORD FOUND *** ------------------------------------------------------------------- C O L L E C T I O N A C C O U N T S ------------------------------------------------------------------- *** NO RECORD FOUND *** ------------------------------------------------------------------- O T H E R C R E D I T H I S T O R Y ------------------------------------------------------------------- *** NO RECORD FOUND *** ------------------------------------------------------------------- P U B L I C R E C O R D S ------------------------------------------------------------------- *** NO RECORD FOUND *** ------------------------------------------------------------------- I N Q U I R I E S ( L A S T 1 2 0 D A Y S ) ------------------------------------------------------------------- TU 03/02/19 TD AUTO FINA FINANCE TU 03/02/19 FIFTH THIRD BANKING EF 03/02/19 STERMCHY AUTOMOTIVE ?------------------------------------------------------------------- APPLICANT:BLANCHETTE, PETER L SSN :030-48-4559 ADDRESS :2509 WATERTOWN MALL, HOUSTON, TX 77057 ------------------------------------------------------------------- ------------------------------------------------------------------- C R E D I T O R S ------------------------------------------------------------------- - BB&T [XP/TU/EF] 888-562-6228 PO BOX 1847,WILSON NC 27894 - CAPITAL ONE AUTO FIN [EF] p#800-946-03 3901 NORTH DALLAS TOLLWAY,PLANO, TX 75093 - CAPITAL ONE AUTO FINAN [XP/TU] 800-946-0332 3901 DALLAS PKWY,PLANO TX 75093 - CHASE [XP/TU/EF] 800-955-9900 201 N WALNUT ST,WILMINGTON, DE 19801 - CITIBANK USA [MANUAL] 800-388-4142 CCS GRAY OPS CENTER,GRAY, TN 37615 - COLNIAL-ML [EF] 817-390-2000 , - COLONIAL SAVINGS & LOA [XP] 800-937-6001 PO BOX 2988,FORT WORTH, TX 76113 - COLONIAL SVG [TU] 817-390-2000 P O BOX 2988,FORT WORTH, TX 76113 - Credit Plus [TU] 800-258-3488 31550 Winter Place Parkway,SALISBURY, MD 21801 - DISCOVER FIN SVCS LLC [XP] 800-347-2683 PO BOX 15316,WILMINGTON, DE 19850 - DISCOVER FINANCIAL SERVI [TU] 800-347-2683 POB 15316,WILMINGTON, DE 19850 - DISCOVR CD [EF] 800-347-5342 PO BOX15316,WILMINGTON DE 19850 - FIFTH THIRD [TU] 513-579-5353 38 FOUNTAIN SQUARE,CINCINNATI, OH 45263 - HYUNDAI FINC [TU] 800-523-4030 10550 TALBERT AV,FOUNTAIN VALLEY, CA 92708 - HYUNDAI MOTOR FINANCE [XP] 800-523-4030 10550 TALBERT AVE,FOUNTAIN VALLEY, CA 92708 - HYUNDAIMTR [EF] 714-965-3000 10550 TALBERT,FOUNTAIN VALLEY, CA 92628 - TD AUTO FINA [TU] 800-556-8172 27777 INKSTER RD,FARMINGTON HIL, MI 48334 - TD AUTO FINANCE [XP/TU] 800-222-1701 PO BOX 9223,FARMINGTON HILLS, MI 48333 - THD/CBSD [XP] 866-875-5488 PO BOX 9714 (home depot),GRAY TN 37615 ------------------------------------------------------------------- T R A D E S U M M A R Y ------------------------------------------------------------------- ?------------------------------------------------------------------- APPLICANT:BLANCHETTE, PETER L SSN :030-48-4559 ADDRESS :2509 WATERTOWN MALL, HOUSTON, TX 77057 ------------------------------------------------------------------- # BALANCE HIGH CREDIT PAYMENT PAST DUE MORTGAGE 3 8382 150000 1166 0 AUTO 5 14298 14400 237 0 EDUCATION 0 0 0 0 0 OTHER INSTALLM 0 0 0 0 0 OPEN 1 0 0 0 0 REVOLVING 5 1530 45500 60 0 OTHER 0 0 0 0 0 TOTAL 14 24210 209900 1463 0 SECURED DEBT 22680 HIGH CREDIT 209900 UNSECURED DEBT 1530 REV CREDIT UTILIZATION 3% OLDEST TRADE 04/91 TOTAL DEBT/HIGH CREDIT 12% ------------------------------------------------------------------- D E R O G A T O R Y S U M M A R Y ------------------------------------------------------------------- CHARGE OFFS 0 30 DAYS 0 INQUIRIES 3 COLLECTIONS 0 60 DAYS 0 DISPUTES 0 BANKRUPTCY 0 90 DAYS 0 PUBLIC RECORDS 0 OTHER 0 ------------------------------------------------------------------- M I S C E L L A N E O U S I N F O R M A T I O N ------------------------------------------------------------------- Instant View Password: AV-4007ECA To verify the authenticity of this credit report, please visit https://credit.creditplus.com and click on the Instant View link. Enter Identifier # 48680305 and password AV-4007ECA to view the report. For any inquiries regarding this report or services provided by CREDIT PLUS 2 please contact us at (800) 258-3488. ------------------------------------------------------------------- D I S C L A I M E R ------------------------------------------------------------------- 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. TRANS UNION EQUIFAX EXPERIAN PO BOX 1000 PO BOX 740256 PO BOX 2002 CHESTER,PA 19016 ATLANTA,GA 30374 ALLEN,TX 75013 800-916-8800 800-685-1111 888-397-3742 transunion.com/myoptions www.experian.com/reportaccess www.equifax.com/fcra Page: 7/8 ?------------------------------------------------------------------- APPLICANT:BLANCHETTE, PETER L SSN :030-48-4559 ADDRESS :2509 WATERTOWN MALL, HOUSTON, TX 77057 ------------------------------------------------------------------- ------------------------------------------------------------------- T R E N D S U M M A R Y ------------------------------------------------------------------- ? YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT CORNERSTONE HOME LENDING INC - 317 REPORT #: 48680305 1450 LAKE ROBBINS DR STE 360 REFERENCE #: 3170003461 THE WOODLANDS, TX 77380 2813677005 RETURN SERVICE REQUESTED PETER L BLANCHETTE 2509 WATERTOWN MALL HOUSTON, TX 77057 ================================================================= YOUR CREDIT SCORE - 819 Source: EXPERIAN Date: 06/07/19 Model: EXPERIAN/FAIR, ISAAC (VER. 2) ================================================================= 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: ----------------------------------------------------------------- Your credit score ranks higher than 91 percent of U.S. consumers. ----------------------------------------------------------------- Key factors that adversely affected your credit score: ----------------------------------------------------------------- * TOO MANY ACCOUNTS RECENTLY OPENED * TOO MANY ACCOUNTS WITH BALANCES ================================================================= CHECKING YOUR CREDIT REPORT ? ----------------------------------------------------------------- What if there are mistakes in 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. ----------------------------------------------------------------- How can you obtain a copy of your credit report? ----------------------------------------------------------------- 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: 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 more information? ----------------------------------------------------------------- For more information about credit reports and your rights under Federal law, visit the Consumer Financial Protection Bureau's web site at www.consumerfinance.gov/learnmore. ? 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. ? YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT CORNERSTONE HOME LENDING INC - 317 REPORT #: 48680305 1450 LAKE ROBBINS DR STE 360 REFERENCE #: 3170003461 THE WOODLANDS, TX 77380 2813677005 RETURN SERVICE REQUESTED BARBARA K BLANCHETTE 2509 WATERTOWN MALL HOUSTON, TX 77057 ================================================================= YOUR CREDIT SCORE - 819 Source: EXPERIAN Date: 06/07/19 Model: EXPERIAN/FAIR, ISAAC (VER. 2) ================================================================= 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: ----------------------------------------------------------------- Your credit score ranks higher than 91 percent of U.S. consumers. ----------------------------------------------------------------- Key factors that adversely affected your credit score: ----------------------------------------------------------------- * TOO MANY ACCOUNTS RECENTLY OPENED * TOO MANY ACCOUNTS WITH BALANCES ================================================================= CHECKING YOUR CREDIT REPORT ? ----------------------------------------------------------------- What if there are mistakes in 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. ----------------------------------------------------------------- How can you obtain a copy of your credit report? ----------------------------------------------------------------- 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: 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 more information? ----------------------------------------------------------------- For more information about credit reports and your rights under Federal law, visit the Consumer Financial Protection Bureau's web site at www.consumerfinance.gov/learnmore. ? 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. ? YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT CORNERSTONE HOME LENDING INC - 317 REPORT #: 48680305 1450 LAKE ROBBINS DR STE 360 REFERENCE #: 3170003461 THE WOODLANDS, TX 77380 2813677005 RETURN SERVICE REQUESTED PETER L BLANCHETTE 2509 WATERTOWN MALL HOUSTON, TX 77057 ================================================================= YOUR CREDIT SCORE - 799 Source: TRANS UNION Date: 06/07/19 Model: TRANSUNION/FICO CLASSIC (04) ================================================================= 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 309 to a high of 839. 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: ----------------------------------------------------------------- Your credit score ranks higher than 83 percent of U.S. consumers. ----------------------------------------------------------------- Key factors that adversely affected your credit score: ----------------------------------------------------------------- * TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT * PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH * TOO MANY ACCOUNTS WITH BALANCES * TOO MANY INQUIRIES LAST 12 MONTHS * INQUIRIES IMPACTED THE CREDIT SCORE ? ================================================================= CHECKING YOUR CREDIT REPORT ----------------------------------------------------------------- What if there are mistakes in 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. ----------------------------------------------------------------- How can you obtain a copy of your credit report? ----------------------------------------------------------------- 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: 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 more information? ----------------------------------------------------------------- For more information about credit reports and your rights under Federal law, visit the Consumer Financial Protection Bureau's web site at www.consumerfinance.gov/learnmore. ? 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. ? YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT CORNERSTONE HOME LENDING INC - 317 REPORT #: 48680305 1450 LAKE ROBBINS DR STE 360 REFERENCE #: 3170003461 THE WOODLANDS, TX 77380 2813677005 RETURN SERVICE REQUESTED BARBARA K BLANCHETTE 2509 WATERTOWN MALL HOUSTON, TX 77057 ================================================================= YOUR CREDIT SCORE - 799 Source: TRANS UNION Date: 06/07/19 Model: TRANSUNION/FICO CLASSIC (04) ================================================================= 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 309 to a high of 839. 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: ----------------------------------------------------------------- Your credit score ranks higher than 83 percent of U.S. consumers. ----------------------------------------------------------------- Key factors that adversely affected your credit score: ----------------------------------------------------------------- * TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT * PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH * TOO MANY ACCOUNTS WITH BALANCES * TOO MANY INQUIRIES LAST 12 MONTHS * INQUIRIES IMPACTED THE CREDIT SCORE ? ================================================================= CHECKING YOUR CREDIT REPORT ----------------------------------------------------------------- What if there are mistakes in 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. ----------------------------------------------------------------- How can you obtain a copy of your credit report? ----------------------------------------------------------------- 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: 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 more information? ----------------------------------------------------------------- For more information about credit reports and your rights under Federal law, visit the Consumer Financial Protection Bureau's web site at www.consumerfinance.gov/learnmore. ? 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. ? YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT CORNERSTONE HOME LENDING INC - 317 REPORT #: 48680305 1450 LAKE ROBBINS DR STE 360 REFERENCE #: 3170003461 THE WOODLANDS, TX 77380 2813677005 RETURN SERVICE REQUESTED PETER L BLANCHETTE 2509 WATERTOWN MALL HOUSTON, TX 77057 ================================================================= YOUR CREDIT SCORE - 807 Source: EQUIFAX Date: 06/07/19 Model: EQUIFAX/FICO CLASSIC V5 FACTA ================================================================= 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 334 to a high of 818. 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: ----------------------------------------------------------------- Your credit score ranks higher than 90 percent of U.S. consumers. ----------------------------------------------------------------- Key factors that adversely affected your credit score: ----------------------------------------------------------------- * TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT * TOO MANY ACCOUNTS WITH BALANCES * NUMBER OF BANK OR NATIONAL REVOLVING ACCOUNTS WITH BALANCES ================================================================= ? CHECKING YOUR CREDIT REPORT ----------------------------------------------------------------- What if there are mistakes in 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. ----------------------------------------------------------------- How can you obtain a copy of your credit report? ----------------------------------------------------------------- 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: 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 more information? ----------------------------------------------------------------- For more information about credit reports and your rights under Federal law, visit the Consumer Financial Protection Bureau's web site at www.consumerfinance.gov/learnmore. ? 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. ? YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT CORNERSTONE HOME LENDING INC - 317 REPORT #: 48680305 1450 LAKE ROBBINS DR STE 360 REFERENCE #: 3170003461 THE WOODLANDS, TX 77380 2813677005 RETURN SERVICE REQUESTED BARBARA K BLANCHETTE 2509 WATERTOWN MALL HOUSTON, TX 77057 ================================================================= YOUR CREDIT SCORE - 802 Source: EQUIFAX Date: 06/07/19 Model: EQUIFAX/FICO CLASSIC V5 FACTA ================================================================= 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 334 to a high of 818. 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: ----------------------------------------------------------------- Your credit score ranks higher than 84 percent of U.S. consumers. ----------------------------------------------------------------- Key factors that adversely affected your credit score: ----------------------------------------------------------------- * TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT * TOO MANY ACCOUNTS WITH BALANCES * NUMBER OF BANK OR NATIONAL REVOLVING ACCOUNTS WITH BALANCES ================================================================= ? CHECKING YOUR CREDIT REPORT ----------------------------------------------------------------- What if there are mistakes in 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. ----------------------------------------------------------------- How can you obtain a copy of your credit report? ----------------------------------------------------------------- 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: 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 more information? ----------------------------------------------------------------- For more information about credit reports and your rights under Federal law, visit the Consumer Financial Protection Bureau's web site at www.consumerfinance.gov/learnmore. ? 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. ? CORNERSTONE HOME LENDING INC - 317 1450 LAKE ROBBINS DR STE 360 THE WOODLANDS, TX 77380 2813677005 NOTICE TO THE HOME LOAN APPLICANT CREDIT SCORE INFORMATION DISCLOSURE BLANCHETTE, PETER L 2509 WATERTOWN MALL HOUSTON, TX 77057 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: TRANSUNION EQUIFAX EXPERIAN PO BOX 2000 PO BOX 740241 PO BOX 2002 CHESTER, PA 19016 ATLANTA, GA 30374 ALLEN, TX 75013 800-916-8800 800-685-1111 888-397-3742 transunion.com/myoptions www.experian.com/reportaccess www.equifax.com/fcra The following information about your credit scores was created on Page: 1/2 ? 6/7/2019. Applicant : BLANCHETTE, PETER L Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA Credit Score : 807 Range: 334-818 Key Factors affecting the score: - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT - TOO MANY ACCOUNTS WITH BALANCES - NUMBER OF BANK OR NATIONAL REVOLVING ACCOUNTS WITH BALANCES Applicant : BLANCHETTE, PETER L Name of Score: TRANSUNION/FICO CLASSIC (04) Credit Score : 799 Range: 309-839 Key Factors affecting the score: - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT - PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH - TOO MANY ACCOUNTS WITH BALANCES - TOO MANY INQUIRIES LAST 12 MONTHS - INQUIRIES IMPACTED THE CREDIT SCORE Applicant : BLANCHETTE, PETER L Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2) Credit Score : 819 Range: 300-850 Key Factors affecting the score: - TOO MANY ACCOUNTS RECENTLY OPENED - TOO MANY ACCOUNTS WITH BALANCES Borrower Signature _________________________________________ Date __________ ? CORNERSTONE HOME LENDING INC - 317 1450 LAKE ROBBINS DR STE 360 THE WOODLANDS, TX 77380 2813677005 NOTICE TO THE HOME LOAN APPLICANT CREDIT SCORE INFORMATION DISCLOSURE BLANCHETTE, BARBARA K 2509 WATERTOWN MALL HOUSTON, TX 77057 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: TRANSUNION EQUIFAX EXPERIAN PO BOX 2000 PO BOX 740241 PO BOX 2002 CHESTER, PA 19016 ATLANTA, GA 30374 ALLEN, TX 75013 800-916-8800 800-685-1111 888-397-3742 transunion.com/myoptions www.experian.com/reportaccess www.equifax.com/fcra The following information about your credit scores was created on Page: 1/2 ? 6/7/2019. Applicant : BLANCHETTE, BARBARA K Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA Credit Score : 802 Range: 334-818 Key Factors affecting the score: - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT - TOO MANY ACCOUNTS WITH BALANCES - NUMBER OF BANK OR NATIONAL REVOLVING ACCOUNTS WITH BALANCES Applicant : BLANCHETTE, BARBARA K Name of Score: TRANSUNION/FICO CLASSIC (04) Credit Score : 799 Range: 309-839 Key Factors affecting the score: - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT - PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH - TOO MANY ACCOUNTS WITH BALANCES - TOO MANY INQUIRIES LAST 12 MONTHS - INQUIRIES IMPACTED THE CREDIT SCORE Applicant : BLANCHETTE, BARBARA K Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2) Credit Score : 819 Range: 300-850 Key Factors affecting the score: - TOO MANY ACCOUNTS RECENTLY OPENED - TOO MANY ACCOUNTS WITH BALANCES Borrower Signature _________________________________________ Date __________