17345

PERSON NAME: ALVIZO, PATSY, P
PERSON SSN : 869-21-7874

FIRST NAME : ALVIZO
LAST NAME : PATSY
PERSON DOB : 07/26/1957
PERSON ADRESS: 342 LAS PUERTAS, SAN ANTONIO, TX 78245

PERSON SCORE: 807
Factual Data
Bureau Express Report
THIS IS A MERGED INFILE
TransUnion Consumer Equifax Consumer Experian Consumer

Relations Relations Relations
PO Box 1000 PO Box 740241 PO Box 2002
Chester, PA 19016-1000 Atlanta, GA 30374 Allen, TX 75013
(800) 916-8800 (800) 685-1111 (888) 397-3742
www.transunion.com/myoptions www.equifax.com/fcra www.experian.com
This report is furnished in response to a consumer or business application.

The information contained herein meets the standards set forth by FNMA, FHLMC,
FHA/VA and the Rural Housing Service. The information contained herein meets
all guidelines set forth by the Fair Credit Reporting Act; it is to be held in
strict confidence and may be revealed only to those whose official duties
require the information in relation to which this report was ordered, except
that which is required by law. The information has been obtained from sources
deemed reliable, the accuracy of which Factual Data does not guarantee.
CORNERSTONE HOME LENDING, INC.-147 FACTUAL DATA

11330 CLAY ROAD SUITE 350 5100 HAHNS PEAK DRIVE
HOUSTON, TX 77041 LOVELAND, CO 80538
(713)744-1250 (4406-0086SX) (800)324-5005
REF #K4406BXC6084108 05/19/2019 20:56:04

SOURCE: rickeyg CHARGES: 16.24
_______________________________________________________________________________
APPLICATION INFORMATION
QUINTANILLA, PATSY P 449-21-7874 07/26/1957
PRESENT ADDRESS: 342 LAS PUERTAS, SAN ANTONIO, TX 78245

_______________________________________________________________________________
FILE VERIFICATIONS
TU UA11 B 449-21-7874 QUINTANILLA, PATSY P

05/19/19 20:56 DOB: 07/26/1957
EQUIFAX QA11 B 449-21-7874 QUINTANILLA, PATSY P
05/19/19 20:56 DOB: 07/26/1957
EXPERIAN RA11 B 449-21-7874 QUINTANILLA, PATSY
05/19/19 20:56 DOB: 1957
_______________________________________________________________________________
CREDIT SCORE INFORMATION
FAIR ISAAC/EXPERIAN INFORMATION: B 449-21-7874 QUINTANILLA, PATSY

CREDIT RISK SCORE: 0808 [Fair Isaac V2]
FAIR ISAAC REASON CODES
14 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
08 - TOO MANY INQUIRIES LAST 12 MONTHS
09 - TOO MANY ACCOUNTS RECENTLY OPENED
05 - TOO MANY ACCOUNTS WITH BALANCES
CONTINUED ON NEXT PAGE

QUINTANILLA, PATSY P 449-21-7874
DATE: 05/19/2019 PAGE 2 OF 14
_______________________________________________________________________________
CREDIT SCORE INFORMATION
FAIR ISAAC/TRANS UNION EMPIRICA INFORMATION: B 449-21-7874 QUINTANILLA, PATSY P

CREDIT RISK SCORE: 763 [Classic 04]
EMPIRICA REASON CODES
028 - Number of established accounts
030 - Time since most recent account opening is too short
012 - Length of time revolving accounts have been established
003 - Proportion of loan balances to loan amounts is too high
FACTA: Inquiries impacted the credit score.
FAIR ISAAC/EQUIFAX BEACON INFORMATION: B 449-21-7874 QUINTANILLA, PATSY P

CREDIT RISK SCORE: 0807 [BEACON 5]
BEACON REASON CODES
30 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
11 - AMOUNT OWED ON REVOLVING ACCOUNT IS TOO HIGH
08 - TOO MANY INQUIRIES LAST 12 MONTHS
05 - TOO MANY ACCOUNTS WITH BALANCES
_______________________________________________________________________________
PUBLIC RECORDS
NO PUBLIC RECORDS FOUND.

05/19/2019 CORNERSTONE HOME LEN
10/27/2018 LINCOLN AFS
06/18/2018 DISCOVER FIN
UA11
06/18/2018 DFS LLC
QA11
06/18/2018 DISCOVER FINANCIAL SER
RA11
_______________________________________________________________________________
CREDIT INFORMATION
LAST HIGH NO PAST DUE REV PAID

CREDITOR/ DATE ACTV/ LIMIT/ MOS TIMES/DATES OR
ACCOUNT NO RPRTD OPND HI BAL BAL * RVD 30 60 90 PAY AMNT
===============================================================================
* = ACCOUNT OWNER/ACCOUNT TYPE
AUTO LEASE; AUTO; LEASE; FIXED RATE

LINCOLN AUTOMOTIVE FIN 04/19 --- IND $0 PAST DUE
57095331 05/19 10/18 13561 10924 I1 8 0 0 0 36X $376
RA11 UA11 QA11
_____________________________________________________________________
UNSECURED; UNSECURED
DISCOVER PERSONAL LO 04/19 --- IND $0 PAST DUE
500005516972 04/19 06/18 12000 10380 I1 11 0 0 0 60X $249
RA11 UA11 QA11
_____________________________________________________________________
DATE: 05/19/2019 PAGE 3 OF 14
_______________________________________________________________________________
CREDIT INFORMATION

===============================================================================
UNSECURED; UNSECURED
NASA FEDERAL CREDIT UN 04/19 --- IND $0 PAST DUE
3748330202 04/19 12/16 9000 6147 I1 29 0 0 0 72X $158
RA11 UA11 QA11
_____________________________________________________________________
CREDIT CARD; CREDIT CARD; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

DISCOVER FIN SVCS LLC 04/19 9900 IND $0 PAST DUE
1565 05/19 05/16 4229 3364 R1 37 0 0 0 REV X $68
RA11 UA11 QA11
_____________________________________________________________________

AMEX 04/19 17000 IND $0 PAST DUE
7923 05/19 12/14 5232 247 R1 53 0 0 0 REV X $35
RA11 UA11 QA11
_____________________________________________________________________
AMOUNT IN H/C COLUMN IS CREDIT LIMIT; FLEXIBLE SPENDING CREDIT

CARD
CHASE CARD 05/19 2000 IND $0 PAST DUE
8399 05/19 02/12 863 68 R1 87 0 0 0 REV X $25
RA11 UA11 QA11
_____________________________________________________________________
AUTOMOBILE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE

ALLY FINANCIAL 02/11 --- IND $ PAST DUE
084913446392 04/11 03/09 32881 0 I1 26 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________
CREDIT CARD; CREDIT LINE CLOSED - CONSUMER'S REQUEST -

REPORTED BY SUBSCRIBER; ACCOUNT CLOSED BY CONSUMER; ACCOUNT
CLOSED AT CONSUMER'S REQUEST; CLOSED OR PAID ACCOUNT/ZERO
BALANCE
CAPITAL ONE BANK USA N 03/12 1500 IND $0 PAST DUE
2627 04/12 08/07 986 0 R1 56 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________
DATE: 05/19/2019 PAGE 4 OF 14
_______________________________________________________________________________
CREDIT INFORMATION

===============================================================================

REPORTED BY SUBSCRIBER; ACCOUNT CLOSED AT CONSUMER'S REQUEST;
CLOSED OR PAID ACCOUNT/ZERO BALANCE
CHASE CARD 04/09 1000 IND $ PAST DUE
0492 08/09 09/06 954 0 R1 35 0 0 0 CLOSED
RA11 QA11
_____________________________________________________________________
CHARGE ACCOUNT; CREDIT LINE CLOSED - GRANTOR'S REQUEST -

REPORTED BY SUBSCRIBER; CANCELED BY CREDIT GRANTOR; CLOSED OR
PAID ACCOUNT/ZERO BALANCE; ACCOUNT CLOSED BY CREDIT GRANTOR
CITI/CBNA 12/15 4000 IND $0 PAST DUE
2465 03/18 11/12 637 0 R1 64 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

REPORTED BY SUBSCRIBER; CANCELED BY CREDIT GRANTOR; CLOSED OR
PAID ACCOUNT/ZERO BALANCE; ACCOUNT CLOSED BY CREDIT GRANTOR
COMENITY BANK/BEALLS 04/18 720 IND $0 PAST DUE
5182 05/18 01/09 75 0 R1 99 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________
CHARGE ACCOUNT; CHARGE; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

COMENITYBANK/VICTORIA 01/18 1000 IND $0 PAST DUE
5922 04/19 12/13 191 0 R1 65 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________
CHARGE ACCOUNT; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE;

AMOUNT IN H/C COLUMN IS CREDIT LIMIT
CONN CREDIT CORP 09/12 1500 IND $0 PAST DUE
7261 12/12 11/09 1476 0 R1 37 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

KOHLS/CAPITAL ONE 12/18 600 IND $0 PAST DUE
9982 05/19 08/10 414 0 R1 99 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________
DATE: 05/19/2019 PAGE 5 OF 14
_______________________________________________________________________________
CREDIT INFORMATION

===============================================================================

MACY S/DSNB 01/19 1900 IND $0 PAST DUE
8059 05/19 08/06 704 0 R1 99 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________
UNSECURED; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE;

UNSECURED
NASA FEDERAL CREDIT UN 06/18 --- IND $0 PAST DUE
3748330201 06/18 12/13 5000 0 I1 55 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________
CREDIT CARD; CREDIT CARD LOST OR STOLEN

RAND BRKS CU 04/15 2000 IND $0 PAST DUE
3022 04/15 05/12 --- 0 R1 25 0 0 0 CLOSED
UA11
_____________________________________________________________________
CREDIT CARD; CREDIT CARD LOST OR STOLEN

RAND BRKS CU 03/15 2000 IND $0 PAST DUE
9610 03/15 05/12 --- 0 R1 34 0 0 0 CLOSED
UA11
_____________________________________________________________________

RANDOLPH BROOK FED CR 06/18 4000 IND $0 PAST DUE
4765 04/19 06/16 4000 0 R1 31 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________

7433 04/19 04/15 1991 0 R1 49 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________
AUTOMOBILE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE

RANDOLPH BROOK FED CR 01/12 --- IND $0 PAST DUE
72156510001101 01/12 02/11 25650 0 I1 12 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________
DATE: 05/19/2019 PAGE 6 OF 14
_______________________________________________________________________________
CREDIT INFORMATION

===============================================================================
CREDIT CARD; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

3454 08/18 03/11 --- 0 R1 90 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________
CREDIT CARD; CREDIT CARD LOST OR STOLEN; CREDIT CARD LOST OR

STOLEN; CREDIT CARD; AMOUNT IN H/C COLUMN IS CREDIT LIMIT
2782 10/18 06/16 227 0 R1 29 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________

4533 04/19 05/12 2000 0 R1 73 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________

SYNCB/CARE CREDIT 06/18 5000 IND $0 PAST DUE
7608 05/19 03/14 3462 0 R1 62 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________

SYNCB/JC PENNEY DC 02/19 7000 IND $ PAST DUE
8675 05/19 07/17 479 0 R1 23 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________

SYNCB/JC PENNEYS 12/14 600 IND $0 PAST DUE
9758 05/17 09/08 328 0 R1 99 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________
CHARGE ACCOUNT; ACCOUNT CLOSED DUE TO TRANSFER; ACCOUNT CLOSED

DUE TO TRANSFER; ACCOUNT TRANSFERRED OR SOLD; CLOSED OR PAID
ACCOUNT/ZERO BALANCE
SYNCB/JC PENNEYS 09/17 2200 IND $0 PAST DUE
4410 09/17 03/15 192 0 R1 31 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________
DATE: 05/19/2019 PAGE 7 OF 14
_______________________________________________________________________________
CREDIT INFORMATION

===============================================================================
CHARGE ACCOUNT; CLOSED OR PAID ACCOUNT/ZERO BALANCE; CHARGE

SYNCB/MERVYN S / --- 200 IND $ PAST DUE
2852 04/15 10/92 0 0 R1 99 0 0 0 CLOSED
QA11
_____________________________________________________________________

REPORTED BY SUBSCRIBER; ACCOUNT CLOSED BY CONSUMER; ACCOUNT
CLOSED AT CONSUMER'S REQUEST; CLOSED OR PAID ACCOUNT/ZERO
BALANCE
SYNCB/OLD NAVY DC 06/12 4200 IND $0 PAST DUE
2864 01/16 05/11 821 0 R1 56 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

SYNCB/ROOMS TO GO 06/18 5000 IND $0 PAST DUE
9264 04/19 06/14 2778 0 R1 59 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________

SYNCB/SAM S CLUB DC 02/19 9500 IND $0 PAST DUE
4396 04/19 12/14 2120 0 R1 53 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________
CREDIT CARD; ACCOUNT CLOSED AT CONSUMER'S REQUEST; CLOSED OR

PAID ACCOUNT/ZERO BALANCE
SYNCB/SAM S CLUB DC 06/08 7300 IND $ PAST DUE
7122 05/17 06/08 51 0 R1 99 0 0 0 CLOSED
QA11
_____________________________________________________________________

CHARGE
SYNCB/SAMS CLUB 09/16 1800 IND $0 PAST DUE
0392 06/17 12/09 769 0 R1 90 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________
DATE: 05/19/2019 PAGE 8 OF 14
_______________________________________________________________________________
CREDIT INFORMATION

===============================================================================

SYNCB/SYNCHRONY MAST 09/18 4600 IND $0 PAST DUE
7293 04/19 09/14 371 0 R1 56 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________

SYNCB/TJX CO 05/13 500 IND $0 PAST DUE
1711 06/17 03/11 70 0 R1 75 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________
CHARGE ACCOUNT; CREDIT LINE CLOSED - CONSUMER'S REQUEST -

REPORTED BY SUBSCRIBER; ACCOUNT CLOSED AT CONSUMER'S REQUEST;
CLOSED OR PAID ACCOUNT/ZERO BALANCE
SYNCB/WALMART 04/09 600 IND $ PAST DUE
1619 02/16 07/07 616 0 R1 99 0 0 0 CLOSED
RA11 QA11
_____________________________________________________________________

SYNCHRONY NETWORKS 06/18 5000 IND $0 PAST DUE
2415 05/19 12/17 1177 0 R1 18 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________
CREDIT CARD; CREDIT LINE CLOSED - GRANTOR'S REQUEST - REPORTED

BY SUBSCRIBER; CLOSED OR PAID ACCOUNT/ZERO BALANCE; CLOSED
ACCOUNT
TARGET NATIONAL BANK 05/08 200 IND $ PAST DUE
1897 07/11 11/06 388 0 R1 55 0 0 0 CLOSED
RA11 QA11
_____________________________________________________________________
AUTOMOBILE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE; AUTO;

FIXED RATE
TD AUTO FINANCE 01/17 --- IND $0 PAST DUE
1101018880 01/17 05/14 12177 0 I1 33 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________
DATE: 05/19/2019 PAGE 9 OF 14
_______________________________________________________________________________
CREDIT INFORMATION

===============================================================================

REPORTED BY SUBSCRIBER; INACTIVE ACCOUNT; CLOSED OR PAID
ACCOUNT/ZERO BALANCE; CHARGE
THD/CBNA 04/19 2501 IND $0 PAST DUE
8804 05/19 09/11 888 0 R1 91 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________
AUTOMOBILE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE; AUTO;

FIXED RATE
TOYOTA MOTOR CREDIT 11/18 --- IND $0 PAST DUE
70403265514490001 11/18 12/14 41432 0 I1 48 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________
AUTOMOBILE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE; AUTO

TOYOTA MOTOR CREDIT CO 12/14 --- IND $0 PAST DUE
70403264336160001 12/14 01/12 38415 0 I1 36 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________
AMOUNT IN H/C COLUMN IS CREDIT LIMIT; FLEXIBLE SPENDING CREDIT

CARD
US BANK 01/17 9000 IND $0 PAST DUE
9700 04/19 08/12 3125 0 R1 80 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________

WEBBANK/DFS 04/17 5000 IND $0 PAST DUE
7189 07/17 04/16 663 0 R1 16 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________
CHARGE ACCOUNT; CLOSED DUE TO INACTIVITY; CLOSED OR PAID

ACCOUNT/ZERO BALANCE; AMOUNT IN H/C COLUMN IS CREDIT LIMIT
WEBBANK/DFS 06/09 3000 IND $ PAST DUE
9579 02/14 01/08 1838 0 R1 74 0 0 0 CLOSED
RA11 QA11
_____________________________________________________________________
DATE: 05/19/2019 PAGE 10 OF 14
_______________________________________________________________________________
CREDIT INFORMATION

===============================================================================

WF/DILLARDS 01/19 9400 IND $0 PAST DUE
8920 05/19 08/08 2685 0 R1 99 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________
===============================================================================
TOTALS HIGH LMT
HIGH BAL CUR BAL PASTDUE PAYMENT
144721
236916 31130 0 911
===============================================================================
_______________________________________________________________________________
CREDITOR INFORMATION
AMEX (800)874-2717
PO BOX 297871, FORT LAUDERDALE, FL 33329
CAPITAL ONE BANK USA N (800)955-7070

15000 CAPITAL ONE DR, RICHMOND, VA 23238
CHASE CARD (800)945-2000

PO BOX 15298, WILMINGTON, DE 19850
CHASE CARD (800)945-2000

CITI/CBNA
701 E 60TH ST N, SIOUX FALLS, SD 57104
COMENITY BANK/BEALLS
PO BOX 182789, COLUMBUS, OH 43218
COMENITYBANK/VICTORIA
PO BOX 182789, COLUMBUS, OH 43218
CONN CREDIT CORP (409)832-1696

3295 COLLEGE ST, BEAUMONT, TX 77701
DISCOVER FIN SVCS LLC (800)347-2683

DISCOVER PERSONAL LO (302)349-4512

502 E MARKET ST, GREENWOOD, DE 19950
DATE: 05/19/2019 PAGE 11 OF 14
_______________________________________________________________________________
KOHLS/CAPITAL ONE (800)564-5740

N56 W 17000 RIDGEWOOD DR, MENOMONEE FALLS, WI 53051
LINCOLN AUTOMOTIVE FIN (402)397-6177

12110 EMMET ST, OMAHA, NE 68164
MACY S/DSNB (800)243-6552

PO BOX 8218, MASON, OH 45040
NASA FEDERAL CREDIT UN (301)249-1800

500 PRINCE GEORGES BLVD, UPPER MARLBORO, MD 20774
NASA FEDERAL CREDIT UN (301)249-1800

500 PRINCE GEORGES BLVD, UPPER MARLBORO, MD 20774
RANDOLPH BROOK FED CR

PO BOX 2097, UNIVERSAL CITY, TX 78148





SYNCB/CARE CREDIT (937)534-6950

950 FORRER BLVD, KETTERING, OH 45420
SYNCB/JC PENNEY DC (866)227-5213

PO BOX 965007, ORLANDO, FL 32896
SYNCB/JC PENNEYS (800)542-0800

SYNCB/JC PENNEYS (800)542-0800

SYNCB/OLD NAVY DC (877)222-6868

SYNCB/SAM S CLUB DC (866)220-0254

DATE: 05/19/2019 PAGE 12 OF 14
_______________________________________________________________________________
SYNCB/SAMS CLUB (800)964-1917

SYNCB/SYNCHRONY MAST (844)406-7427

SYNCB/TJX CO (877)890-3150
SYNCB/WALMART (877)294-7880
SYNCHRONY NETWORKS (866)396-8254

TARGET NATIONAL BANK (888)755-5856

PO BOX 673, MINNEAPOLIS, MN 55440
TD AUTO FINANCE (800)955-9096

PO BOX 9223, FARMINGTON HILLS, MI 48333
THD/CBNA
PO BOX 6497, SIOUX FALLS, SD 57117
TOYOTA MOTOR CREDIT

PO BOX 9786, CEDAR RAPIDS, IA 52409
TOYOTA MOTOR CREDIT CO

PO BOX 9786, CEDAR RAPIDS, IA 52409
US BANK
4325 17TH AVE S, FARGO, ND 58125
WEBBANK/DFS (800)283-2210
1 DELL WAY, ROUND ROCK, TX 78682
WEBBANK/DFS (800)283-2210
1 DELL WAY, ROUND ROCK, TX 78682
WF/DILLARDS (877)302-6157
PO BOX 14517, DES MOINES, IA 50306
_______________________________________________________________________________
OFAC
Applicant input name checked. No similar records found in OFAC's SDN

list.
DATE: 05/19/2019 PAGE 13 OF 14
_______________________________________________________________________________
MISCELLANEOUS INFORMATION
AKA: ALVIZO, PATSY, P

AKA: MARTINEZ, PATRISHA
AKA: MARTINEZ, PATSY
UA11
FORMER NAME: ALVIZO, PATSY P
FORMER NAME: ALIVIZO, PATSY
FORMER NAME: MARTINEZ, PATSY P
FORMER NAME: ALVIZO, PASTY
QA11
AKA: ALVIZO, PATSY
AKA: ALZIVO, PATSY P
AKA: MARTINEZ, PATSY
AKA: MARTINEZ, PATRISHA
RA11
TRANSUNION HIGH RISK FRAUD ALERT WAS COMPLETED ON APPLICANT BY SEARCHING
APPLICANT'S NAME, SOCIAL SECURITY NUMBER AND ADDRESS. NO FRAUDULENT
ACTIVITY WAS FOUND.
UA11
_______________________________________________________________________________
REPOSITORY ADDRESS INFORMATION
342 LAS PUERTAS, SAN ANTONIO, TX 78245-1250 10/16 10/16 BOR

UA11 QA11 RA11
8797 MARBACH RD 1207, SAN ANTONIO, TX 78227-2359 --- 03/10 BOR
UA11
5434 EL PASO ST, SAN ANTONIO, TX 78237-2706 10/01 01/08 BOR
UA11 RA11
8797 MARBACH RD APT 1207, SAN ANTONIO, TX 78227 03/10 06/16 BOR
QA11 RA11
12200 IH 10 W APT 707, SAN ANTONIO, TX 78230 08/10 --- BOR
QA11
_______________________________________________________________________________
REPOSITORY EMPLOYMENT INFORMATION
GROUP AND PENSION ADMIN CLAIMS EXAMINER --- --- BOR

UA11
TPA 01/15 01/15 BOR
UA11 RA11
HUB --- --- BOR
QA11
HEB RECEIVER --- --- BOR
QA11
WED-TPA 12/13 01/17 BOR
RA11
_______________________________________________________________________________
SUMMARY INFORMATION
OLDEST TRADELINE DATE.....................................10/1992

PUBLIC RECORDS..................................................0
DATE: 05/19/2019 PAGE 14 OF 14
_______________________________________________________________________________
SUMMARY INFORMATION
NUMBER OF INQUIRIES IN LAST 120 DAYS:...........................1

NUMBER OF OPEN REVOLVING TRADES:...............................18
NUMBER OF OPEN INSTALLMENT TRADES:..............................3
NUMBER OF BALANCE MONTHLY TRADES:...............................0
TOTAL NUMBER OF OPEN TRADES:...................................21
REVOLVING CREDIT LIMIT:..................................$144,721
REVOLVING HIGH BALANCE:...................................$46,800
INSTALLMENT HIGH BALANCE:................................$190,116
BALANCE MONTHLY HIGH BALANCE:..................................$0
BALANCE MONTHLY OWED:..........................................$0
REVOLVING BALANCE OWED.....................................$3,679
INSTALLMENT BALANCE OWED..................................$27,451
TOTAL BALANCE OWED:.......................................$31,130
OPEN REVOLVING PAYMENTS:.....................................$128
OPEN INSTALLMENT PAYMENTS:....................................783
TOTAL OPEN PAYMENTS:..........................................911
REVOLVING AMOUNT PAST DUE:......................................0
INSTALLMENT AMOUNT PAST DUE:....................................0
BALANCE MONTHLY AMOUNT PAST DUE:................................0
TOTAL AMOUNT PAST DUE:..........................................0
PAYMENTS 30 TO 59 DAYS LATE:....................................0
PAYMENTS 60 TO 89 DAYS LATE:....................................0
PAYMENTS 90 AND OVER DAYS LATE:.................................0
NUMBER OF COLLECTION TRADE LINES:...............................0
NUMBER OF BANKRUPTCY TRADE LINES:...............................0
NUMBER OF FORECLOSURE TRADE LINES:..............................0
NUMBER OF PROFIT AND LOSS TRADE LINES:..........................0
NUMBER OF REPOSSESSION TRADE LINES:.............................0
NUMBER OF ADVERSE TRADE LINES:..................................0
TOTAL NUMBER OF TRADELINES.....................................47
01846F9523F80
END OF REPORT
Your Credit Score and the Price You Pay for Credit
CORNERSTONE HOME LENDING, INC.-147 --------------------------------

11330 CLAY ROAD SUITE 350
|Request Date:|5/19/2019 |
HOUSTON TX 77041 |-------------|----------------|

(713)744-1250
|Report ID: |K4406BXC6084108 |
--------------------------------
RETURN SERVICE REQUESTED
Patsy P Quintanilla
342 Las Puertas
San Antonio, TX 78245
------------------------------------------------------------------------------
| Your Credit Score |
|----------------------------------------------------------------------------|
| Your Credit | 807 |
| Score | Source: Equifax Consumer Relations 5/19/2019 |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| What you should | Your credit score is a number that reflects the |
| know about | information in your credit report. |
| credit scores | |
| | 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 creditors. |
| | |
| | Your credit score can change, depending on how your |
| | credit history changes. |
|-----------------|----------------------------------------------------------|
| How we use your | Your credit score can affect whether you can get a loan |
| credit score | 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 | Equifax |
| compares to the | |
| scores of other | Your credit score ranks higher than [ 90 ] percent of |
| consumers | U.S. Consumers |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| Key factors that| Equifax |
| adversely | 30 TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT |
| affected your | 11 AMOUNT OWED ON REVOLVING ACCOUNT IS TOO HIGH |
| credit score | 08 TOO MANY INQUIRIES LAST 12 MONTHS |
| | 05 TOO MANY ACCOUNTS WITH BALANCES |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Checking Your Credit Report |
|----------------------------------------------------------------------------|
| What if there | You have a right to dispute any inaccurate information in|
| are mistakes in | your credit report. If you find mistakes on your credit |
| your credit | report, contact the consumer reporting agency. |
| report? | |
| | It is a good idea to check your credit report to make |
| | sure the information it contains is accurate. |
|-----------------|----------------------------------------------------------|
| How can you | Under Federal law, you have the right to obtain a free |
| obtain a copy of| copy of your credit report from each of the nationwide |
| your credit | consumer reporting agencies once a year. |
| report? | |
| | 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 |
| | |
| | Annual Credit Report Request Service |
| | P.O. Box 105281 |
| | Atlanta, GA 30348-5281 |
|-----------------|----------------------------------------------------------|
| How can you | For more information about credit reports and your rights|
| get more | under Federal law, visit the Consumer Financial |
| information? | Protection Bureau's website at |
| | www.consumerfinance.gov/learnmore. |
------------------------------------------------------------------------------

Notice to 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.
Equifax Consumer Relations

PO Box 740241
Atlanta, GA 30374
(800) 685-1111
www.equifax.com/fcra
H3-
2.4.8.0

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PERSON NAME: ALVIZO, PATSY, P

PERSON SSN : 869-21-7874

PERSON ADRESS: 342 LAS PUERTAS, SAN ANTONIO, TX 78245

TransUnion Consumer Equifax Consumer Experian Consumer

This report is furnished in response to a consumer or business application.

CORNERSTONE HOME LENDING, INC.-147 FACTUAL DATA

REF #K4406BXC6084108 05/19/2019 20:56:04

QUINTANILLA, PATSY P 449-21-7874 07/26/1957

PRESENT ADDRESS: 342 LAS PUERTAS, SAN ANTONIO, TX 78245

TU UA11 B 449-21-7874 QUINTANILLA, PATSY P

FAIR ISAAC/EXPERIAN INFORMATION: B 449-21-7874 QUINTANILLA, PATSY

CONTINUED ON NEXT PAGE

FAIR ISAAC/TRANS UNION EMPIRICA INFORMATION: B 449-21-7874 QUINTANILLA, PATSY P

FAIR ISAAC/EQUIFAX BEACON INFORMATION: B 449-21-7874 QUINTANILLA, PATSY P

NO PUBLIC RECORDS FOUND.

LAST HIGH NO PAST DUE REV PAID

AUTO LEASE; AUTO; LEASE; FIXED RATE

LAST HIGH NO PAST DUE REV PAID

CREDIT CARD; CREDIT CARD; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

CREDIT CARD; CREDIT CARD; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

AMOUNT IN H/C COLUMN IS CREDIT LIMIT; FLEXIBLE SPENDING CREDIT

AUTOMOBILE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE

CREDIT CARD; CREDIT LINE CLOSED - CONSUMER'S REQUEST -

LAST HIGH NO PAST DUE REV PAID

CREDIT CARD; CREDIT LINE CLOSED - CONSUMER'S REQUEST -

CHARGE ACCOUNT; CREDIT LINE CLOSED - GRANTOR'S REQUEST -

CHARGE ACCOUNT; CREDIT LINE CLOSED - GRANTOR'S REQUEST -

CHARGE ACCOUNT; CHARGE; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

CHARGE ACCOUNT; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE;

CHARGE ACCOUNT; CHARGE; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

LAST HIGH NO PAST DUE REV PAID

CHARGE ACCOUNT; CHARGE; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

UNSECURED; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE;

CREDIT CARD; CREDIT CARD LOST OR STOLEN

CREDIT CARD; CREDIT CARD LOST OR STOLEN

CREDIT CARD; CREDIT CARD; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

CREDIT CARD; CREDIT CARD; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

AUTOMOBILE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE

LAST HIGH NO PAST DUE REV PAID

CREDIT CARD; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

CREDIT CARD; CREDIT CARD LOST OR STOLEN; CREDIT CARD LOST OR

CREDIT CARD; CREDIT CARD; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

CHARGE ACCOUNT; CHARGE; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

CREDIT CARD; CREDIT CARD; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

CHARGE ACCOUNT; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE;

CHARGE ACCOUNT; ACCOUNT CLOSED DUE TO TRANSFER; ACCOUNT CLOSED

LAST HIGH NO PAST DUE REV PAID

CHARGE ACCOUNT; CLOSED OR PAID ACCOUNT/ZERO BALANCE; CHARGE

CREDIT CARD; CREDIT LINE CLOSED - CONSUMER'S REQUEST -

CHARGE ACCOUNT; CHARGE; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

CREDIT CARD; CREDIT CARD; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

CREDIT CARD; ACCOUNT CLOSED AT CONSUMER'S REQUEST; CLOSED OR

CHARGE ACCOUNT; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE;

LAST HIGH NO PAST DUE REV PAID

CREDIT CARD; CREDIT CARD; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

CHARGE ACCOUNT; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE;

CHARGE ACCOUNT; CREDIT LINE CLOSED - CONSUMER'S REQUEST -

CHARGE ACCOUNT; CHARGE; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

CREDIT CARD; CREDIT LINE CLOSED - GRANTOR'S REQUEST - REPORTED

AUTOMOBILE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE; AUTO;

LAST HIGH NO PAST DUE REV PAID

CHARGE ACCOUNT; CREDIT LINE CLOSED - GRANTOR'S REQUEST -

AUTOMOBILE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE; AUTO;

AUTOMOBILE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE; AUTO