24087

PERSON NAME: BUSSELL, MARK A
PERSON SSN : 311-58-9717

FIRST NAME : BUSSELL
LAST NAME : MARK A
PERSON DOB : 01/19/61
PERSON ADRESS: 5829 CARMON DR, WINDSOR, CO 80550
PERSON SCORE: 803
-------------------------------------------------------------------
MARK ALAN BUSSELL - 287589717

TRANSUNION/FICO CLASSIC (04) 813
030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
004 - LACK OF RECENT INSTALLMENT LOAN INFORMATION
010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON
BANK REVOLVING OR OTHER REVOLVING ACCOUNTS
012 - LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
MARK A BUSSELL - 287589717

EXPERIAN/FAIR, ISAAC (VER. 2) 792
08 - TOO MANY INQUIRIES LAST 12 MONTHS
10 - PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING
OR ALL REVOLVING ACCOUNTS
09 - TOO MANY ACCOUNTS RECENTLY OPENED
05 - TOO MANY ACCOUNTS WITH BALANCES
TRISHA J BUSSELL - 522259993

EQUIFAX/FICO CLASSIC V5 FACTA 806
00023 - NUMBER OF BANK OR NATIONAL REVOLVING ACCOUNTS WITH
BALANCES
Page: 2/11
-------------------------------------------------------------------
APPLICANT:BUSSELL, MARK A
SSN :287-58-9717
ADDRESS :5829 CARMON DR, WINDSOR, CO 80550
-------------------------------------------------------------------
00014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
TRISHA JO BUSSELL - 522259993

TRANSUNION/FICO CLASSIC (04) 813
004 - LACK OF RECENT INSTALLMENT LOAN INFORMATION
010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON
BANK REVOLVING OR OTHER REVOLVING ACCOUNTS
012 - LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
TRISHA J BUSSELL - 522259993

EXPERIAN/FAIR, ISAAC (VER. 2) 803
10 - PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING
OR ALL REVOLVING ACCOUNTS
09 - TOO MANY ACCOUNTS RECENTLY OPENED
06 - TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS
-------------------------------------------------------------------
A L E R T
-------------------------------------------------------------------
MARK A BUSSELL YOB: 1961
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED
TRISHA J BUSSELL YOB: 1964
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
-------------------------------------------------------------------
BUSSELL, MARK A 287-58-9717
REMARK: AVAILABLE AND CLEAR
BUSSELL, TRISHA J 522-25-9993

REMARK: AVAILABLE AND CLEAR
-------------------------------------------------------------------
A C C O U N T S W I T H B A L A N C E
-------------------------------------------------------------------
E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
-------------------------------------------------------------------
J J NATIONSTAR/MR COOPER 360 06/19 $315643 AS AGREED
638574079 MTG 04/18 $309806 15 0 0 0
06/19 $1971 XP/TU/EF
06/19: CCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST; FREDDIE MAC ACCOUNT;
Page: 3/11
-------------------------------------------------------------------
SSN :287-58-9717
-------------------------------------------------------------------
J J SUNTRUST BANK/CC 510 360 07/19 $136800 AS AGREED
9420051118735 MTG 08/16 $130130 12 0 0 0
06/19 $765 XP/TU/EF
07/19: CCCCCCCCCCCC
B J CITI MIN 07/19 $10500 AS AGREED

410039******8672 REV 02/19 $3043 5 0 0 0
06/19 $46 XP/TU/EF
07/19: CCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;
J J WF PLL 07/19 $7000 AS AGREED

761310 REV 06/03 $25 99 0 0 0
12/18 $25 XP/TU/EF
07/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CHECK CREDIT OR LINE OF CREDIT;
-------------------------------------------------------------------
A C C O U N T S W I T H N O B A L A N C E
-------------------------------------------------------------------
E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
-------------------------------------------------------------------
J J WFHE 12/14 $58000 PAID
68268215215351998 MTG 06/13 $0 17 0 0 0
10/14 $- XP/TU/EF
12/14: ---CCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER; HOME EQUITY LOAN;
J J WELLS FARGO BANK NV NA 09/10 $50000 PAID

65465436340371998 MTG 10/07 $0 36 0 0 0
09/10 $207 XP/TU/EF
09/10: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; HOME EQUITY LINE
OF CREDIT - REVOLVING TERMS;
B J WELLS FARGO BANK 07/19 $20200 AS AGREED

414718******3769 REV 10/11 $0 94 0 0 0
03/19 $0 XP/TU/EF
07/19:
REMARK: FLEXIBLE SPENDING CREDIT CARD;
Page: 4/11
-------------------------------------------------------------------
SSN :287-58-9717
-------------------------------------------------------------------
J J FNB FT COLLN 10/16 $14850 PAID
70871068418 MTG 10/14 $0 24 0 0 0
08/16 $- XP/TU/EF
10/16: -CCCCCCCCCCCC-CCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER; HOME EQUITY LOAN;
C C TARGET NB 03/10 $8500 PAID

435237******6334 REV 12/03 $0 74 0 0 0
02/05 $0 EF
REMARK: ACCOUNT CLOSED BY CONSUMER;
C C JPMCB CARD 07/10 $7500 PAID

512257****** REV 12/06 $0 43 0 0 0
10/07 $0 XP/EF
07/10: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
C C BBY/CBNA 06/19 $3000 INACTIVE

700119******9294 REV 07/12 $0 68 0 0 0
01/15 $0 XP/TU/EF
06/19: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: INACTIVE ACCOUNT;
C C CAP1/BSTBY 09/13 $3000 PAID

169603******39294 REV 07/12 $0 14 0 0 0
07/13 $0 XP/TU/EF
09/13: -CCCCCCCCCCCCC
REMARK: PURCHASED BY ANOTHER LENDER; ACCOUNT CLOSED;
B B THD/CBNA 07/19 $2501 INACTIVE

603532******6082 REV 10/15 $0 45 0 0 0
11/15 $0 XP/TU/EF
07/19: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
C C KOHLS/CAPONE 06/19 $1200 AS AGREED

639305******3576 REV 06/02 $0 99 0 0 0
02/19 $0 XP/TU/EF
06/19:
C C SYNCB/OLDNAVYDC 06/19 $1024 AS AGREED

447995****** REV 02/13 $0 77 0 0 0
12/17 $0 XP/TU/EF
06/19:
Page: 5/11
-------------------------------------------------------------------
SSN :287-58-9717
-------------------------------------------------------------------
C C SYNCB/TJXDC 03/18 $1024 INACTIVE
524366******6436 REV 11/15 $0 28 0 0 0
--/-- $0 XP/TU/EF
03/18: -CCCCCCCCCCCC-CCCCCCCCCCCCCCC
B B DISCOVER FIN SVCS LLC 07/13 $500 PAID

601100****** REV 08/08 $0 60 0 0 0
--/-- $0 XP/TU/EF
07/13:
--CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
J J BANK OF AMERICA, N.A. 060 04/19 $14878 PAID

65010039428318 AUTO 10/15 $0 43 0 0 0
04/19 $0 XP/TU/EF
04/19: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
J J CITIMORTGAGE INC 360 10/12 $217000 PAID

1122248758 MTG 09/10 $0 26 0 0 0
10/12 $0 XP/TU/EF
10/12: -CCCCCCCCCCCCCCCCCCCCCCCCC
FIRST; FANNIE MAE ACCOUNT;
J J CORNERSTONE HOME LENDI360 05/18 $136800 PAID

3000090363201 MTG 08/16 $0 20 0 0 0
03/18 $0 XP/TU/EF
05/18: -CCCCCCCCCCCCCCCCCCC
REMARK: TRANSFERRED TO ANOTHER LENDER; CONVENTIONAL REAL ESTATE
LOAN, INCLUDING PURCHASE MONEY FIRST; FREDDIE MAC ACCOUNT;

3000090362021 MTG 08/16 $0 20 0 0 0
04/18 $0 XP/TU/EF
05/18: -CCCCCCCCCCCCCCCCCCC

3000047394457 MTG 10/12 $0 21 0 0 0
09/14 $0 XP/TU/EF
10/14: -CCCCCCCCCCCCCCCCCCCC
REMARK: AFFECTED BY NATURAL OR DECLARED DISASTER; CONVENTIONAL
REAL ESTATE LOAN, INCLUDING PURCHASE MONEY FIRST; FANNIE MAE
ACCOUNT;
Page: 6/11
-------------------------------------------------------------------
SSN :287-58-9717
-------------------------------------------------------------------
J J GMAC MORTGAGE 360 09/10 $180000 PAID
423271279 MTG 02/05 $0 65 0 0 0
09/10 $0 XP/TU/EF
09/10:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
FIRST; FANNIE MAE ACCOUNT;
J J ROUNDPTMTG 360 09/16 $237600 PAID

5962001445499 MTG 10/14 $0 19 0 0 0
08/16 $0 XP/TU/EF
09/16: -CCCCCCCCCCCCCC---------
REMARK: FANNIE MAE ACCOUNT; FIXED RATE;
M J TOYOTA MOTOR CREDIT 073 12/13 $16421 PAID

70401162364790001 AUTO 04/09 $0 57 0 0 0
12/13 $0 XP/TU/EF
12/13:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
J J WELLS FARGO BANK NV NA060 07/13 $16600 PAID

66366349996030001 INST 06/13 $0 2 0 0 0
07/13 $0 XP/TU/EF
07/13: -C
REMARK: NOTE LOAN;
J J WELLS FARGO BANK NV NA060 06/13 $11575 PAID

66366346514770001 INST 11/12 $0 8 0 0 0
06/13 $0 XP/TU/EF
06/13: -CCCCCCC
REMARK: NOTE LOAN;
S J WF EFS 134 02/18 $7000 PAID

4654580277140001 EDU 08/13 $0 55 0 0 0
02/18 $0 XP/TU/EF
02/18: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
-------------------------------------------------------------------
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 )
-------------------------------------------------------------------
*** NO RECORD FOUND ***
Page: 7/11
-------------------------------------------------------------------
SSN :287-58-9717
-------------------------------------------------------------------
-------------------------------------------------------------------
C R E D I T O R S
-------------------------------------------------------------------
- 1STNATBNK [EF] 970-495-9450
205 W OAK,FORT COLLINS, CO 80525
- BANK OF AMERICA [XP/EF] 800-215-6195
9000 SOUTHSIDE BLVD BLDG,JACKSONVILLE, FL 32256
- BANKAMERICA [TU] 800-215-6195
P.O. BOX 2240,BREA, CA 92822
- BBY/CBNA [XP/TU] 888-574-1301
50 NORTHWEST POINT ROAD,ELK GROVE VILLAGE, IL 60007
- CAP1/BSTBY [XP/TU] 800-365-0292
PO BOX 30253,SALT LAKE CITY, UT 84130
- CENTEX [EF] 888-480-2432
PO BOX 199111,DALLAS TX 75235
- CHASE [XP] 800-945-2000
800 BROOKSEDGE BLVD,WESTERVILLE, OH 43081
- CHASE BANK USA, NA [EF] 800-955-9900
201 N. WALNUT STREET,WILMINGTON DE 19801
- CITICORP [EF] 800-283-7918
15851 CLAYTON ROAD MS-30,BALLWIN MO 63011
- CITIMORTGAGE INC [XP/TU] 800-283-7918
15851 CLAYTON RD,BALDWIN, MO 63011
- CORNERSTONE [TU] 866-861-2639
P O BOX 77404 ATTN CREDIT LOAN A,EWING, NJ 08628
- 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
- FIRST NATIONAL BANK [XP] 970-482-4861
PO BOX 578,FORT COLLINS, CO 80522
- FNB FT COLLN [TU]
PO BOX 578 ATTN LOAN OPERATIONS,FORT COLLINS, CO 80522
- GEMB/OLDNAVYDC [XP] 877-222-6868
,
- GENERAL MOTORS//history-see notes [XP] 800-766-4622
PO BOX 780,WATERLOO, IA 50704
- GMAC MORT. [TU] 800-766-4622
3451 HAMMOND AVE,WATERLOO IA 50702
- GMAC MORTGAGE//history-see notes [EF] 800-766-4622
3451 HAMMOND AVE PO BOX 780,WATERLOO, IA 50702
- KOHLS/CAP1 [EF] 800-564-5740
,
- KOHLS/CAPONE [XP] 800-564-5740
,
- MASS EQUITY [XP] (508) 251-35
P O BOX 128,CHELMSFORD MA 01863
- NATIONSTAR [TU] 866-316-2432
350 HIGHLAND,HOUSTON, TX 77067
Page: 8/11
-------------------------------------------------------------------
SSN :287-58-9717
-------------------------------------------------------------------
- NATIONSTAR MORTGAGE LLC [XP] 888-480-2432
2828 N HARWOOD ST,DALLAS TX 75201
- RETAILERS NATIONAL B [EF] 888-755-5856
MAIL STOP 2BD P O BOX 9475,MINNEAPOLIS, MN 55440
- ROUND POINT MTG [EF] 877-426-8805
,
- ROUNDPOINT [TU] 877-426-8805
5032 PARKWAY PLAZA,CHARLOTTE, NC 28217
- ROUNDPOINT MORTGAGE [XP] 877-426-8805
,
- SUNTRUST [EF] 800-330-4684
1001 SEMMES AVEY STE 600,RICHMOND, VA 23224
- SUNTRUST MORTGAGE/CC 5 [XP] 800-330-4684
1001 SEMMES AVE,RICHMOND, VA 23224
- SUNTRUST MTG [TU] 800-634-7928
P.O. BOX 100100,ATLANTA, GA 30348
- SYNCB/TJX COS DC [XP/TU] 800-982-6879
PO BOX 965005,ORLANDO, FL 32896
- SYNCB/TJXDC [TU] 800-926-6299
PO BOX 965015,ORLANDO, FL 32896
- THD/CBSD [XP] 866-875-5488
PO BOX 9714 (home depot),GRAY TN 37615
- THD/CBUSA [EF] 800-388-4142
CCS GRAY OPS CENTER,GRAY TN 37615
- TOYOTA MOTOR CREDIT [XP] 303-645-8300
7670 S CHESTER ST UNIT 2,ENGLEWOOD, CO 80112
- TOYOTA MTR [TU/EF] 303-695-2300
3151 S VAUGHN SUITE 600,AURORA, CO 80014
- WELLS FARGO [TU] 800-642-4720
CREDIT BUREAU DISPUTE RESOLUTI PO BOX 14517,DES MOINES, IA 503
- WELLS FARGO BANK N.A [EF] 800-245-8936
WELLS FARGO DISPUTE CTR/CONS C PO BOX 10438,DES MOINES, IA 503
- WELLS FARGO BANK NV NA [XP] 888-667-6059
PO BOX 10438,DES MOINES IA 50306
- WELLS FARGO ED FIN SVC [XP/EF] 800-658-3567
301 E 58TH ST N,SIOUX FALLS SD 57104
- WELLS FARGO EDUCATION FI [TU] 800-658-3567
301 E. 58TH ST. N,SIOUX FALLS, SD 57104
- WELSHMQTY [EF] 888-667-6059
4455 ARROWSWEST DRIVE,COLORADO SPRINGS, CO 80907
- WF/PCM [TU] 800-869-3557
P.O. BOX 94435,ALBUQUERQUE, NM 87199
- WFB CD SVC [EF] 800-642-4720
P.O. BOX 5445,PORTLAND, OR 97208
-------------------------------------------------------------------
T R A D E S U M M A R Y
-------------------------------------------------------------------
Page: 9/11
-------------------------------------------------------------------
SSN :287-58-9717
-------------------------------------------------------------------
# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 11 439936 452443 2736 0
AUTO 2 0 0 0 0
EDUCATION 1 0 0 0 0
OTHER INSTALLM 2 0 0 0 0
OPEN 0 0 0 0 0
REVOLVING 12 3068 39924 71 0
OTHER 0 0 0 0 0
TOTAL 28 443004 492367 2807 0
SECURED DEBT 439936 HIGH CREDIT 492367

UNSECURED DEBT 3068 REV CREDIT UTILIZATION 8%
OLDEST TRADE 06/02 TOTAL DEBT/HIGH CREDIT 90%
-------------------------------------------------------------------
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
-------------------------------------------------------------------
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-2B29D7E8
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 49375726 and password AV-2B29D7E8 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: 10/11
-------------------------------------------------------------------
SSN :287-58-9717
-------------------------------------------------------------------
-------------------------------------------------------------------
T R E N D S U M M A R Y
-------------------------------------------------------------------
*** END OF REPORT 7/24/2019 4:43:20 PM ***

Page: 11/11
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
NEST HOME LENDING LLC REPORT #: 49375726

916 S MAIN ST UNIT 208 REFERENCE #: 9260001792
LONGMONT, CO 80501
8774264184
RETURN SERVICE REQUESTED
MARK A BUSSELL
5829 CARMON DR
WINDSOR, CO 80550
=================================================================
YOUR CREDIT SCORE - 792
Source: EXPERIAN Date: 07/24/19
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 75 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TOO MANY INQUIRIES LAST 12 MONTHS
* PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL
REVOLVING ACCOUNTS
* TOO MANY ACCOUNTS RECENTLY OPENED
* TOO MANY ACCOUNTS WITH BALANCES
Page: 1/18
=================================================================
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.
Page: 2/18
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: 3/18

LONGMONT, CO 80501
8774264184
TRISHA J BUSSELL
5829 CARMON DR
WINDSOR, CO 80550
=================================================================
Source: EXPERIAN Date: 07/24/19
Model: EXPERIAN/FAIR, ISAAC (VER. 2)
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------
your credit report.


history changes.
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
* PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL
REVOLVING ACCOUNTS
* TOO MANY ACCOUNTS RECENTLY OPENED
* TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS
Page: 4/18
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------

-----------------------------------------------------------------
-----------------------------------------------------------------

site at

P.O. Box 105281
-----------------------------------------------------------------
-----------------------------------------------------------------
Page: 5/18





the lender.
------------------------------------------------------------------
-----------------
Signature
Date
Page: 6/18

LONGMONT, CO 80501
8774264184
MARK A BUSSELL
5829 CARMON DR
WINDSOR, CO 80550
=================================================================
Source: TRANS UNION Date: 07/24/19
Model: TRANSUNION/FICO CLASSIC (04)
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------
your credit report.


history changes.
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* LACK OF RECENT INSTALLMENT LOAN INFORMATION
* PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
* LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
Page: 7/18
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------

-----------------------------------------------------------------
-----------------------------------------------------------------

site at

P.O. Box 105281
-----------------------------------------------------------------
-----------------------------------------------------------------
Page: 8/18





the lender.
------------------------------------------------------------------
-----------------
Signature
Date
Page: 9/18

LONGMONT, CO 80501
8774264184
TRISHA J BUSSELL
5829 CARMON DR
WINDSOR, CO 80550
=================================================================
Source: TRANS UNION Date: 07/24/19
Model: TRANSUNION/FICO CLASSIC (04)
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------
your credit report.


history changes.
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
* LACK OF RECENT INSTALLMENT LOAN INFORMATION
* PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
* LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
Page: 10/18
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------

-----------------------------------------------------------------
-----------------------------------------------------------------

site at

P.O. Box 105281
-----------------------------------------------------------------
-----------------------------------------------------------------
Page: 11/18





the lender.
------------------------------------------------------------------
-----------------
Signature
Date
Page: 12/18

LONGMONT, CO 80501
8774264184
MARK A BUSSELL
5829 CARMON DR
WINDSOR, CO 80550
=================================================================
Source: EQUIFAX Date: 07/24/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------
your credit report.


history changes.
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
* NUMBER OF BANK OR NATIONAL REVOLVING ACCOUNTS WITH BALANCES
Page: 13/18
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------

-----------------------------------------------------------------
-----------------------------------------------------------------

site at

P.O. Box 105281
-----------------------------------------------------------------
-----------------------------------------------------------------
Page: 14/18





the lender.
------------------------------------------------------------------
-----------------
Signature
Date
Page: 15/18

LONGMONT, CO 80501
8774264184
TRISHA J BUSSELL
5829 CARMON DR
WINDSOR, CO 80550
=================================================================
Source: EQUIFAX Date: 07/24/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA
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your credit report.


history changes.
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* NUMBER OF BANK OR NATIONAL REVOLVING ACCOUNTS WITH BALANCES
* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
Page: 16/18
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site at

P.O. Box 105281
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Page: 17/18





the lender.
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-----------------
Signature
Date
Page: 18/18
NEST HOME LENDING LLC
916 S MAIN ST UNIT 208
LONGMONT, CO 80501
8774264184

CREDIT SCORE INFORMATION DISCLOSURE
BUSSELL, MARK A
5829 CARMON DR
WINDSOR, CO 80550

The credit score is a computer generated summary calculated at the

time of the request and based on information that a consumer
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.

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.

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

CHESTER, PA 19016 ATLANTA, GA 30374 ALLEN, TX 75013
800-916-8800 800-685-1111 888-397-3742
The following information about your credit scores was created on
Page: 1/2
7/24/2019.
Applicant : BUSSELL, MARK A

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
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
- TOO MANY ACCOUNTS WITH BALANCES
- NUMBER OF BANK OR NATIONAL REVOLVING ACCOUNTS WITH BALANCES

Name of Score: TRANSUNION/FICO CLASSIC (04)
- LACK OF RECENT INSTALLMENT LOAN INFORMATION
- PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
- LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
- TOO MANY INQUIRIES LAST 12 MONTHS
- PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR
ALL REVOLVING ACCOUNTS
- TOO MANY ACCOUNTS RECENTLY OPENED
Borrower Signature _________________________________________ Date

__________
Page: 2/2
NEST HOME LENDING LLC
916 S MAIN ST UNIT 208
LONGMONT, CO 80501
8774264184

CREDIT SCORE INFORMATION DISCLOSURE
BUSSELL, TRISHA J
5829 CARMON DR
WINDSOR, CO 80550

The credit score is a computer generated summary calculated at the

time of the request and based on information that a consumer
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.

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.

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

CHESTER, PA 19016 ATLANTA, GA 30374 ALLEN, TX 75013
800-916-8800 800-685-1111 888-397-3742
The following information about your credit scores was created on
Page: 1/2
7/24/2019.
Applicant : BUSSELL, TRISHA J

Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
- NUMBER OF BANK OR NATIONAL REVOLVING ACCOUNTS WITH BALANCES
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Name of Score: TRANSUNION/FICO CLASSIC (04)
- LACK OF RECENT INSTALLMENT LOAN INFORMATION
- PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
- LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
- PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR
ALL REVOLVING ACCOUNTS
- TOO MANY ACCOUNTS RECENTLY OPENED
- TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS
Borrower Signature _________________________________________ Date

__________
Page: 2/2

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PERSON NAME: BUSSELL, MARK A

PERSON SSN : 311-58-9717

MARK ALAN BUSSELL - 287589717

MARK A BUSSELL - 287589717

TRISHA J BUSSELL - 522259993

TRISHA JO BUSSELL - 522259993

TRISHA J BUSSELL - 522259993

BUSSELL, TRISHA J 522-25-9993

B J CITI MIN 07/19 $10500 AS AGREED

J J WF PLL 07/19 $7000 AS AGREED

J J WELLS FARGO BANK NV NA 09/10 $50000 PAID

B J WELLS FARGO BANK 07/19 $20200 AS AGREED

C C TARGET NB 03/10 $8500 PAID

C C JPMCB CARD 07/10 $7500 PAID

C C BBY/CBNA 06/19 $3000 INACTIVE

C C CAP1/BSTBY 09/13 $3000 PAID

B B THD/CBNA 07/19 $2501 INACTIVE

C C KOHLS/CAPONE 06/19 $1200 AS AGREED

C C SYNCB/OLDNAVYDC 06/19 $1024 AS AGREED

B B DISCOVER FIN SVCS LLC 07/13 $500 PAID

J J BANK OF AMERICA, N.A. 060 04/19 $14878 PAID

J J CITIMORTGAGE INC 360 10/12 $217000 PAID

J J CORNERSTONE HOME LENDI360 05/18 $136800 PAID

J J CORNERSTONE HOME LENDI360 05/18 $275000 PAID

J J CORNERSTONE HOME LENDI360 10/14 $211000 PAID

J J ROUNDPTMTG 360 09/16 $237600 PAID

M J TOYOTA MOTOR CREDIT 073 12/13 $16421 PAID

J J WELLS FARGO BANK NV NA060 07/13 $16600 PAID

J J WELLS FARGO BANK NV NA060 06/13 $11575 PAID

S J WF EFS 134 02/18 $7000 PAID

SECURED DEBT 439936 HIGH CREDIT 492367

An asterisk (*) following the payment amount indicates the

This is a report containing information supplied by the

TRANS UNION EQUIFAX EXPERIAN

*** END OF REPORT 7/24/2019 4:43:20 PM ***

NEST HOME LENDING LLC REPORT #: 49375726

RETURN SERVICE REQUESTED

Your credit report is a record of your credit history. It

Your credit score can change, depending on how your credit

It is a good idea to check your credit report to make sure the

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

Annual Credit Report Request Service

In connection with your application for a home loan, the lender

The credit score is a computer generated summary calculated at

Because the score is based on information in your credit history,

If you have questions about your credit score or the credit

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

NEST HOME LENDING LLC REPORT #: 49375726

RETURN SERVICE REQUESTED

Your credit report is a record of your credit history. It

Your credit score can change, depending on how your credit

It is a good idea to check your credit report to make sure the

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

Annual Credit Report Request Service

In connection with your application for a home loan, the lender

The credit score is a computer generated summary calculated at

Because the score is based on information in your credit history,

If you have questions about your credit score or the credit

* END OF REPORT 7/24/2019 4:43:20 PM *