PERSON NAME: JOHANSEN, ELLEN ROBERTA

PERSON SSN : 262-02-9182

FIRST NAME : JOHANSEN
LAST NAME : ELLEN ROBERTA
PERSON DOB : 05/16/59
PERSON ADRESS: 671 I ST., SALT LAKE CITY, UT 84103
PERSON SCORE: 819
-------------------------------------------------------------------
A P O BOX 77404 ATTN CREDIT LOAN A,EWING, NJ 08628
- Credit Plus [TU] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- MASS EQUITY [XP] (508) 251-35
P O BOX 128,CHELMSFORD MA 01863
- MBNA AMERICA [TU] 800-421-2110
PO BOX 17054,WILMINGTON DE 19884
- U OF U CREDIT UNION [XP] p#801-481-88
PO BOX 58025,SALT LAKE CITY, UT 84158
- UNIV UTAH CU [TU] p#801-481-88
3450 S HIGHLAND DR SUITE 201,SALT LAKE CITY, UT 84106
- UNIVERSITY OF UTAH C [EF] 801-481-8800
3088 SOUTH 1300 EAST,SALT LAKE CITY, UT 84106
- WELLS FARGO BANK [XP/TU] 800-642-4720
PO BOX 5445,PORTLAND OR 97228
- WFB CD SVC [EF] p#800-642-47
P.O. BOX 3696,PORTLAND, OR 97208

Page: 4/6
-------------------------------------------------------------------
APPLICANT:JOHANSEN, ELLEN ROBERTA
SSN :258-02-9182
ADDRESS :671 I ST., SALT LAKE CITY, UT 84103
-------------------------------------------------------------------
-------------------------------------------------------------------
T R A D E S U M M A R Y
-------------------------------------------------------------------
# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 3 223221 240000 1478 0
AUTO 0 0 0 0 0
EDUCATION 0 0 0 0 0
OTHER INSTALLM 0 0 0 0 0
OPEN 0 0 0 0 0
REVOLVING 6 1849 50300 28 0
OTHER 0 0 0 0 0
TOTAL 9 225070 290300 1506 0

SECURED DEBT 223221 HIGH CREDIT 290300

UNSECURED DEBT 1849 REV CREDIT UTILIZATION 4%
OLDEST TRADE 12/00 TOTAL DEBT/HIGH CREDIT 78%

-------------------------------------------------------------------
D E R O G A T O R Y S U M M A R Y
-------------------------------------------------------------------
CHARGE OFFS 0 30 DAYS 0 INQUIRIES 0
COLLECTIONS 0 60 DAYS 0 DISPUTES 0
BANKRUPTCY 0 90 DAYS 0
PUBLIC RECORDS 0 OTHER 0

-------------------------------------------------------------------
S O U R C E O F I N F O R M A T I O N
-------------------------------------------------------------------
1 - EXPERIAN
ELLEN R JOHANSEN 258029182 DOB: 05/16/59
258-02-9182
258-02-9118
671 I ST, SALT LAKE CITY, UT 84103-3265 08/15 - 09/16
PO BOX 71385, COTTONWOOD, UT 84171-0385 07/15
PO BOX 65903, SALT LAKE CITY, UT 84165-0903 09/04 -
01/14
ATHENS REGIONAL MEDICAL// 03/01

2 - TRANSUNION
ELLEN ROBERTA JOHANSEN
BLACKMON,ELLEN,JOHANSEN
DOB: 05/16/59
258-02-9182
671 I ST, SALT LAKE CITY, UT 84103-3265 08/15
65903 PO BOX 65903, SALT LAKE CITY, UT 84165-0903
09/04
150 WESTPARK DR #417, ATHENS, GA 30606-7412 02/05

3 - EQUIFAX
ELLEN ROBERTA JOHANSEN DOB: 05/16/59
ELLEN ROBERTA BLACKMON
ELLEN J BLACKMON
258-02-9182
671 I ST, SALT LAKE CITY, UT 84103 08/15 - 06/19
 PO BOX 65903, SALT LAKE CITY, UT 84165 09/04 - 08/15
Page: 5/6
-------------------------------------------------------------------
APPLICANT:JOHANSEN, ELLEN ROBERTA
SSN :258-02-9182
ADDRESS :671 I ST., SALT LAKE CITY, UT 84103
-------------------------------------------------------------------
PO BOX 71385, SALT LAKE CITY, UT 84171 07/15 - 08/15
REGIONAL MEDICA//
ORANGE LANDSCAPERS//

-------------------------------------------------------------------
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-3F11E08
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 48661141 and password AV-3F11E08 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

-------------------------------------------------------------------
T R E N D S U M M A R Y
-------------------------------------------------------------------

*** END OF REPORT 7/24/2019 1:53:46 PM ***

Page: 6/6
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

CORNERSTONE HOME LENDING INC - 545 REPORT #: 48661141

2180 S 1300 E STE 400 REFERENCE #: 5450005662
SALT LAKE CITY, UT 84106
8014872122

RETURN SERVICE REQUESTED

ELLEN ROBERTA JOHANSEN

671 I ST.
SALT LAKE CITY, UT 84103
=================================================================
YOUR CREDIT SCORE - 815
Source: EXPERIAN Date: 06/06/19
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 88 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
* AMOUNT OWED ON ACCOUNTS IS TOO HIGH

=================================================================
CHECKING YOUR CREDIT REPORT
Page: 1/9
-----------------------------------------------------------------
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.
Page: 2/9
 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.

------------------------------------------------------------------
-----------------
Signature
Date
Page: 3/9
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

CORNERSTONE HOME LENDING INC - 545 REPORT #: 48661141

2180 S 1300 E STE 400 REFERENCE #: 5450005662
SALT LAKE CITY, UT 84106
8014872122

RETURN SERVICE REQUESTED

ELLEN ROBERTA JOHANSEN

671 I ST.
SALT LAKE CITY, UT 84103
=================================================================
YOUR CREDIT SCORE - 819
Source: TRANS UNION Date: 06/06/19
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 99 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
* LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED

=================================================================
CHECKING YOUR CREDIT REPORT
Page: 4/9
-----------------------------------------------------------------
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.
Page: 5/9
 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.

------------------------------------------------------------------
-----------------
Signature
Date
Page: 6/9
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

CORNERSTONE HOME LENDING INC - 545 REPORT #: 48661141

2180 S 1300 E STE 400 REFERENCE #: 5450005662
SALT LAKE CITY, UT 84106
8014872122

RETURN SERVICE REQUESTED

ELLEN ROBERTA JOHANSEN

671 I ST.
SALT LAKE CITY, UT 84103
=================================================================
YOUR CREDIT SCORE - 809
Source: EQUIFAX Date: 06/06/19
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 93 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH

=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
Page: 7/9
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.
Page: 8/9
 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.

------------------------------------------------------------------
-----------------
Signature
Date
Page: 9/9
CORNERSTONE HOME LENDING INC - 545
2180 S 1300 E STE 400
SALT LAKE CITY, UT 84106
8014872122

NOTICE TO THE HOME LOAN APPLICANT

CREDIT SCORE INFORMATION DISCLOSURE

JOHANSEN, ELLEN ROBERTA

671 I ST.
SALT LAKE CITY, UT 84103

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
 6/6/2019.

Applicant : JOHANSEN, ELLEN ROBERTA

Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 809 Range: 334-818
Key Factors affecting the score:
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH

Applicant : JOHANSEN, ELLEN ROBERTA

Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 819 Range: 309-839
Key Factors affecting the score:
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
- LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED

Applicant : JOHANSEN, ELLEN ROBERTA

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 815 Range: 300-850
Key Factors affecting the score:
- LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
- AMOUNT OWED ON ACCOUNTS IS TOO HIGH

Borrower Signature _________________________________________ Date

__________
Page: 2/2