17277

PERSON NAME: SHUKLA, CHITRA H
PERSON SSN : 861-45-7295

FIRST NAME : SHUKLA
LAST NAME : CHITRA H
PERSON DOB : 03/07/55
PERSON ADRESS: 9518 ROUND UP LN., HOUSTON, TX 77064
PERSON SCORE: 805
-------------------------------------------------------------------
-------------------------------------------------------------------
S O U R C E O F I N F O R M A T I O N
-------------------------------------------------------------------
1 - EXPERIAN
CHITRA H SHUKLA 461457295 DOB: 03/07/55
SHUKLA CHITRA 461457295 DOB: N/A
461-45-7295
9518 ROUND UP LN, HOUSTON, TX 77064-5309 06/99 -
08/18
9518 RONDA LN, HOUSTON, TX 77074-1397 01/04 - 03/07
9722 PALE STAR DR, HOUSTON, TX 77064-5358 02/89 -
03/00
USPS// 10/08
USBS//401 FRANKLIN, HOUSTON TX 10/06
2 - TRANSUNION
CHITRALEKHA H SHUKLA
SHUKLA,CHITRA,HARKANT
SHUKLA,CHITRAH
CHITRA,SHUKLA
DOB: 03/07/55
461-45-7295
9518 ROUND UP LN, HOUSTON, TX 77064-5309 06/99
9722 PALE STAR DR, HOUSTON, TX 77064-5358 07/93
USPS/CLERK/
UNITED STATE POSTAL SERVICE//
3 - EQUIFAX
C H SHUKLA DOB: 03/07/55
CHITRA SHUKLA
461-45-7295
9518 ROUND UP LN, HOUSTON, TX 77064 08/99 - 05/19
9722 PALE STAR DR, HOUSTON, TX 77064 10/90 - 01/13
USPS//
UNKNOWN//
U S POST OFFICE//
-------------------------------------------------------------------
S C O R E M O D E L S
-------------------------------------------------------------------
C H SHUKLA - 461457295
EQUIFAX/FICO CLASSIC V5 FACTA 796
00030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
00023 - NUMBER OF BANK OR NATIONAL REVOLVING ACCOUNTS WITH
BALANCES
00008 - TOO MANY INQUIRIES LAST 12 MONTHS
00005 - TOO MANY ACCOUNTS WITH BALANCES
Page: 1/13
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APPLICANT:SHUKLA, CHITRA H
SSN :461-45-7295
ADDRESS :9518 ROUND UP LN., HOUSTON, TX 77064
-------------------------------------------------------------------
CHITRALEKHA H SHUKLA - 461457295
TRANSUNION/FICO CLASSIC (04) 805
030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
003 - PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON
BANK REVOLVING OR OTHER REVOLVING ACCOUNTS
FA - INQUIRIES IMPACTED THE CREDIT SCORE
CHITRA H SHUKLA - 461457295

EXPERIAN/FAIR, ISAAC (VER. 2) 799
05 - TOO MANY ACCOUNTS WITH BALANCES
09 - TOO MANY ACCOUNTS RECENTLY OPENED
-------------------------------------------------------------------
A L E R T
-------------------------------------------------------------------
CHITRA H SHUKLA YOB: 1955
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED
-------------------------------------------------------------------
T U I D V I S I O N A L E R T
-------------------------------------------------------------------
SHUKLA, CHITRA H 461-45-7295
REMARK: AVAILABLE AND CLEAR
-------------------------------------------------------------------
O P E N A C C O U N T S
-------------------------------------------------------------------
E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
-------------------------------------------------------------------
B B TOYOTA MOTOR CREDIT 048 04/19 $26149 AS AGREED
70401267336560001 AUTO 07/18 $21246 10 0 0 0
04/19 $544 XP/TU/EF
04/19: CCCCCCCCCC
B B ELAN FINANCIAL SERVICEMIN 04/19 $17000 AS AGREED

903001******6 REV 04/14 $350 61 0 0 0
04/19 $30 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-CCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;
Page: 2/13
-------------------------------------------------------------------
SSN :461-45-7295
-------------------------------------------------------------------
B B BANK OF AMERICA MIN 05/19 $5000 AS AGREED
431307******1713 REV 10/98 $271 99 0 0 0
05/19 $25 XP/TU/EF
05/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B DISCOVER FIN SVCS LLC MIN 05/19 $7900 AS AGREED

601100****** REV 10/08 $133 99 0 0 0
05/19 $35 XP/TU/EF
05/19:
B B THD/CBNA MIN 04/19 $8000 AS AGREED

603532******8769 REV 04/19 $34 1 0 0 0
04/19 $28 XP/TU/EF
04/19: C
B B AMEX 05/19 $3000 AS AGREED

-34999******85343 REV 02/04 $0 96 0 0 0
--/-- $0 XP/TU/EF
05/19:
B B AMEX 05/19 $5000 AS AGREED

-34999******25093 REV 03/04 $0 96 0 0 0
--/-- $0 XP/TU/EF
05/19:
B B AMEX/DSNB 04/19 $5000 AS AGREED

377481******259 REV 01/17 $0 27 0 0 0
03/17 $0 XP/TU/EF
04/19: CCCCCCCCCCCCCCCCCCCCCCCCCCC
B B BANK OF AMERICA 05/19 $5000 AS AGREED

431307******2828 REV 01/13 $0 74 0 0 0
10/16 $0 XP/TU/EF
05/19:
B B CHASE CARD 05/19 $5000 AS AGREED

438857****** REV 07/15 $0 46 0 0 0
09/18 $0 XP/TU/EF
05/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
Page: 3/13
-------------------------------------------------------------------
SSN :461-45-7295
-------------------------------------------------------------------
B B KOHLS/CAPONE 05/19 $1500 AS AGREED
639305******7965 REV 10/18 $0 7 0 0 0
--/-- $0 XP/TU/EF
05/19: CCCCCCC
B B SYNCB/LOWES 05/19 $1500 AS AGREED

798192****** REV 07/16 $0 35 0 0 0
01/17 $0 XP/TU/EF
05/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B THD/CBNA 05/19 $2501 AS AGREED

603532******7841 REV 06/16 $0 35 0 0 0
08/16 $0 XP/TU/EF
05/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B US BANK 04/19 $7000 AS AGREED

527854****** REV 12/09 $0 99 0 0 0
04/11 $0 XP/TU/EF
04/19:
-------------------------------------------------------------------
C L O S E D A C C O U N T S
-------------------------------------------------------------------
E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
-------------------------------------------------------------------
B B BANK OF AMERICA 11/17 $5000 PAID
431307******7278 REV 01/13 $0 58 0 0 0
05/14 $0 XP/TU/EF
11/17:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; FLEXIBLE SPENDING
CREDIT CARD;
B B CAP ONE 06/16 $10000 PAID

520602******3812 REV 08/14 $0 23 0 0 0
--/-- $0 XP/TU/EF
06/16: -CCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CREDIT GRANTOR'S REQUEST; FLEXIBLE
SPENDING CREDIT CARD;
Page: 4/13
-------------------------------------------------------------------
SSN :461-45-7295
-------------------------------------------------------------------
B B CAP1/BSTBY 09/13 $3000 PAID
169603******26901 REV 07/10 $0 41 0 0 0
--/-- $0 XP/TU/EF
09/13: -CCCCCCCCCCCCCCCCCCCCCCC--------------CCC
REMARK: PURCHASED BY ANOTHER LENDER; ACCOUNT CLOSED;
B B CAPITAL ONE/BEST BUY 07/10 $3000 PAID

702126****** REV 12/07 $0 36 0 0 0
06/08 $0 XP
07/10: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B CBNA 02/13 $2001 PAID

512107****** REV 07/07 $0 29 0 0 0
09/07 $0 XP/EF
12/11: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B CBNA 02/13 $2501 PAID

603532******8912 REV 11/02 $0 99 0 0 0
11/08 $0 XP/EF
12/11:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B CHASE CARD 08/18 $500 PAID

464018****** REV 07/14 $0 49 0 0 0
09/15 $0 XP/TU/EF
08/18: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

426684****** REV 08/07 $0 99 0 0 0
09/08 $0 XP/EF
09/16:

546604****** REV 06/07 $0 86 0 0 0
09/08 $0 XP/EF
08/14:
B B CHASE MTG 180 04/15 $72450 PAID

1563069414450 MTG 12/02 $0 99 0 0 0
04/15 $0 XP/TU/EF
04/15:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-CCCCCCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST; FANNIE MAE ACCOUNT;
Page: 5/13
-------------------------------------------------------------------
SSN :461-45-7295
-------------------------------------------------------------------
B B CITI 01/15 $10100 INACTIVE

542418****** REV 10/01 $0 82 0 0 0
09/11 $0 XP/TU/EF
01/15:
REMARK: INACTIVE ACCOUNT;
B B CITICARDS CBNA 03/12 $2000 PAID

542418****** REV 04/04 $0 95 0 0 0
02/08 $0 XP
03/12:
REMARK: ACCOUNT CLOSED AT CREDIT GRANTOR'S REQUEST;
B B COMENITYCB/HSN 04/19 $4000 PAID

578097****** REV 05/16 $0 35 0 0 0
08/16 $0 XP/TU/EF
04/19: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B COMPASS BANK VISA 04/16 $20000 PAID

579479******45 REV 04/11 $0 61 0 0 0
--/-- $0 XP/TU/EF
04/16:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; CHECK CREDIT OR
LINE OF CREDIT;
B B DISCOVER FIN SVCS LLC 08/18 $11500 PAID

601100****** REV 09/90 $0 99 0 0 0
02/15 $0 XP/TU/EF
08/18:

601100****** REV 02/05 $0 99 0 0 0
11/13 $0 XP/TU/EF
08/18:

601139****** REV 12/07 $0 59 0 0 0
03/12 $0 XP/TU/EF
08/13:
--CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
Page: 6/13
-------------------------------------------------------------------
SSN :461-45-7295
-------------------------------------------------------------------
B B DSNB MACYS 04/19 $600 PAID
433963****** REV 10/14 $0 54 0 0 0
12/15 $0 XP/TU/EF
04/19: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC---CCCCC
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;
B B DSNB MACYS 04/19 $100 INACTIVE

433825****** REV 04/11 $0 82 0 0 0
05/11 $0 XP/TU/EF
04/19:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC---CCCCC---CCCCCCCCCCCC
B B FIA CSNA 11/16 $12000 PAID

374716******030 REV 04/14 $0 31 0 0 0
07/16 $0 EF
11/16: ----CCCCCCCCCCCCCCC------
REMARK: ACCOUNT TRANSFERRED OR SOLD;
B B KOHLS/CAPONE 09/18 $1000 PAID

639305******6893 REV 11/12 $0 71 0 0 0
08/15 $0 XP/TU/EF
09/18:
REMARK: CLOSED DUE TO INACTIVITY;
B B KROGR FIN CC 11/10 $7000 PAID

510241******4453 REV 12/09 $0 11 0 0 0
09/10 $0 XP/TU/EF
11/10: -CCCCCCCCCCC
REMARK: PURCHASED BY ANOTHER LENDER;
B B SEARS/CBNA 02/18 $2001 INACTIVE

512107****** REV 02/13 $0 60 0 0 0
--/-- $0 XP/TU/EF
B B SEARS/CBNA 10/16 $2000 INACTIVE

512107****** REV 07/11 $0 63 0 0 0
--/-- $0 XP/TU/EF
10/16:
Page: 7/13
-------------------------------------------------------------------
SSN :461-45-7295
-------------------------------------------------------------------
B B SYNCB/AMAZON 06/17 $800 PAID
604578******6801 REV 07/14 $0 35 0 0 0
--/-- $0 XP/TU/EF
06/17: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CLOSED;
B B SYNCB/CHEV 05/17 $0 PAID

706159****** REV 11/01 $0 58 0 0 0
--/-- $0 EF
REMARK: CHARGE;
B B SYNCB/HDSE 02/16 $8500 PAID

603461****** REV 10/05 $0 42 0 0 0
05/06 $0 EF
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;
B B SYNCB/JCP 02/17 $67 PAID

600889****** REV 04/07 $0 77 0 0 0
05/07 $0 XP/EF
05/12:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B SYNCB/LOW 03/18 $12000 CRCDLOST

798192****** REV 07/16 $0 20 0 0 0
08/16 $0 TU/EF
03/18: -CCCCCCCCCCCCCCCCCCCC
REMARK: CREDIT CARD STOLEN OR LOST;
B B SYNCB/LOWE 04/17 $499 PAID

798192****** REV 05/03 $0 80 0 0 0
08/07 $0 XP/EF
08/11:
B B SYNCB/MERV 04/15 $0 PAID

604589****** REV 05/97 $0 32 0 0 0
--/-- $0 EF
REMARK: CHARGE;
B B TARGET NB 10/11 $200 PAID

435237****** REV 11/04 $0 69 0 0 0
04/08 $0 XP
10/11:
-CCCCCCCCCCCCCCCCCCCCCCCC-----CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CLOSED DUE TO INACTIVITY;
Page: 8/13
-------------------------------------------------------------------
SSN :461-45-7295
-------------------------------------------------------------------
B B THD/CBNA 02/14 $2501 INACTIVE
603532******6142 REV 03/09 $0 58 0 0 0
--/-- $0 XP/TU/EF
B B TNB - TARGET 07/09 $200 PAID

26091 REV 07/02 $0 77 0 0 0
09/02 $0 XP
07/09:
B B WFB CD SVC 10/16 $5000 PAID

446542****** REV 08/07 $0 99 0 0 0
08/08 $0 XP/EF
10/16:
---------------CCC-------CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;
-------------------------------------------------------------------
D E R O G A T O R Y A C C O U N T S
-------------------------------------------------------------------
*** NO RECORD FOUND ***
-------------------------------------------------------------------
C O L L E C T I O N A C C O U N T S
-------------------------------------------------------------------
-------------------------------------------------------------------
O T H E R C R E D I T H I S T O R Y
-------------------------------------------------------------------
-------------------------------------------------------------------
P U B L I C R E C O R D S
-------------------------------------------------------------------
-------------------------------------------------------------------
I N Q U I R I E S ( L A S T 1 2 0 D A Y S )
-------------------------------------------------------------------
XP/EF 04/26/19 CREDIT PLUS FINANCE
TU 04/26/19 CORNERSTONE HOME LEN MISC
XP 04/14/19 CBNA/THD BANKING
-------------------------------------------------------------------
C R E D I T O R S
-------------------------------------------------------------------
Page: 9/13
-------------------------------------------------------------------
SSN :461-45-7295
-------------------------------------------------------------------
- AMERICAN EXPRESS [EF] 800-528-4800
P.O. BOX 7871,FORT LAUDERDALE, FL 33329
- AMEX [XP/TU] 800-528-4800
TAPE - P O BOX 7871,FORT LAUDERDALE, FL 33329
- amex/dsnb [EF] 800-956-6229
,
- AMEXDSNB [XP] 800-659-6229
,
- bank of america [XP] 800-759-6262
,
- BANK OF AMERICA [XP/EF] 800-759-6262
1825 E BUCKEYE RD,PHOENIX AZ 85034
- BANKAMERIC [EF] 800-759-6262
P.O. BOX 7047,DOVER DE 19903
- BANKAMERICA [TU] 800-236-6497
POB 1597,NORFOLK VA 23501
- BBVA COMPASS [TU]
2009 BELTLINE ROAD SW,DECATUR, AL 35603
- CAP ONE [XP] 800-947-1000
26525 N RIVERWOODS BLVD,METTAWA, IL 60045
- CAP1/BSTBY [XP/TU/EF] 800-365-0292
PO BOX 30253,SALT LAKE CITY, UT 84130
- CBNA/SEARS [XP] 800-669-8488
13200 SMITH RD,CLEVELAND, OH 44130
- CBNA/THD [XP] 800-677-0232
541 SID MARTIN RD,GRAY, TN 37615
- CBUSASEARS [EF] 800-669-8488
13200 SMITH ROAD,CLEVELAND, OH 44130
- CCB/HSN [TU] 888-724-6649
PO BOX 182120,COLUMBUS, OH 43218
- CHASE [XP/TU/EF] 800-955-9900
201 N WALNUT ST,WILMINGTON, DE 19801
- CHASE MANHATTAN BANK [XP] 908-458-3111
1040 RT 70 & VANZILE RD,BRICKTOWN NJ 08724
- CITI [XP/EF] 800-950-5114
PO BOX 6241,SIOUX FALLS SD 57117
- CITI CARDS CBSDNA [TU] 800-843-0777
POB 6241,SIOUX FALLS, SD 57117
- COMPASS BANK VISA [XP] 800-239-5175
2009 BELTLINE PARKWAY,DECATUR, AL 35603
- Credit Plus [TU/EF] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- CREDIT PLUS [XP] 410-742-9551
31550 WINTERPLACE PKWY,SALISBURY, MD 21804
- 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
- DSNB MACYS [TU] 800-956-6229
PO BOX 8218,MASON, OH 45040
- ELAN FIN SVC [TU/EF] 800-558-3424
CB DISPUTES PO BOX 108,SAINT LOUIS, MO 63166
Page: 10/13
-------------------------------------------------------------------
SSN :461-45-7295
-------------------------------------------------------------------
- ELAN FINANCIAL SERVICE [XP] 800-558-3424
777 E WISCONSIN AVE,MILWAUKEE, WI 53202
- FIA CSNA [EF] 877-465-2733
POB 17054,WILMINGTON , DE 17054
- GECRB/LOWBRC [MANUAL] 800-444-1408
,
- GEMB/CHEVRON PLCC [EF] 800-243-8766
,
- GEMB/HDS [EF] 866-396-8254
,
- GEMB/JC PENNEYS [EF] 800-542-0800
,
- GEMB/LOWES [XP/EF] 800-444-1408
PO BOX 103065,ROSWELL GA 30076
- KOHLS/CAP1 [EF] 800-564-5740
,
- kohls/capone [XP] 800-564-5740
,
- KROGER FIN [EF] 203-551-3548
,
- KROGR FIN CC [TU] 203-551-3548
1000 LAFAYETTE BLVD,BRIDGEPORT, CT 06604
- MACY'S/DSNB [EF] 866-593-2543
911 DUKE BLVD,MASON, OH 45040
- MBGA/JC PENNEY [XP] 800-542-0800
PO BOX 981131,EL PASO TX 79998
- MBNA AMERICA [TU] 800-421-2110
PO BOX 17054,WILMINGTON DE 19884
- MCCBG/MERV [EF] 800-480-5014
RETAILERS NATL BANK MERV,MINNEAPOLIS MN 55440
- MCYDSNB [XP] 800-956-6229
,
- RBS CITIZENS NA [XP] 877-265-3278
,
- RNB - TARGET [XP] 800-659-2396
3701 WAYZATA BLVD,MINNEAPOLIS, MN 55416
- RNB TARGET [XP] 888-755-5856
PO BOX 9475,MINNEAPOLIS MN 55440
- SEARS/CBNA [TU] 800-669-8488
PO BOX 6282,SIOUX FALLS, SD 57117
- SYNCB/AMAZON [XP/TU] 866-634-8379
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] 800-874-8822
1500 W PARK DR,WESTBOROUGH, MA 01581
- TOYOTA MTR [TU/EF] 630-368-6400
111 W 22ND ST SUITE 420,OAKBROOK, IL 60521
- U.S. BANK [TU] 888-852-5786
601 2ND AVE SOUTH,MINNEAPOLIS, MN 55402
- US BANK/NA ND [XP] 800-285-8585
4325 17TH AVE SW,FARGO, ND 58125
Page: 11/13
-------------------------------------------------------------------
SSN :461-45-7295
-------------------------------------------------------------------
- WELLS FARGO BANK [XP] 800-642-4720
PO BOX 5445,PORTLAND OR 97228
- WFB CD SVC [EF] p#800-642-47
P.O. BOX 3696,PORTLAND, OR 97208
-------------------------------------------------------------------
T R A D E S U M M A R Y
-------------------------------------------------------------------
# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 1 0 0 0 0
AUTO 1 21246 26149 544 0
EDUCATION 0 0 0 0 0
OTHER INSTALLM 0 0 0 0 0
OPEN 0 0 0 0 0
REVOLVING 47 788 73401 118 0
OTHER 0 0 0 0 0
TOTAL 49 22034 99550 662 0
SECURED DEBT 21246 HIGH CREDIT 99550

UNSECURED DEBT 788 REV CREDIT UTILIZATION 1%
OLDEST TRADE 09/90 TOTAL DEBT/HIGH CREDIT 22%
-------------------------------------------------------------------
D E R O G A T O R Y S U M M A R Y
-------------------------------------------------------------------
CHARGE OFFS 0 30 DAYS 0 INQUIRIES 3
COLLECTIONS 0 60 DAYS 0 DISPUTES 0
BANKRUPTCY 0 90 DAYS 0
PUBLIC RECORDS 0 OTHER 0
-------------------------------------------------------------------
M I S C E L L A N E O U S I N F O R M A T I O N
-------------------------------------------------------------------
Instant View Password: AV-31ABBC4
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 48390384 and password AV-31ABBC4 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.
Page: 12/13
-------------------------------------------------------------------
SSN :461-45-7295
-------------------------------------------------------------------
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 5/20/2019 8:37:24 AM ***

Page: 13/13
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC REPORT #: 48390384

1177 WEST LOOP S STE 200 REFERENCE #: 1060004010
HOUSTON, TX 77027
7136214663
RETURN SERVICE REQUESTED
CHITRA H SHUKLA
9518 ROUND UP LN.
HOUSTON, TX 77064
=================================================================
YOUR CREDIT SCORE - 799
Source: EXPERIAN Date: 05/20/19
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 79 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TOO MANY INQUIRIES LAST 12 MONTHS
* TOO MANY ACCOUNTS WITH BALANCES
* TOO MANY ACCOUNTS RECENTLY OPENED
=================================================================
Page: 1/9
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: 2/9
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

HOUSTON, TX 77027
7136214663
CHITRA H SHUKLA
9518 ROUND UP LN.
HOUSTON, TX 77064
=================================================================
Source: TRANS UNION Date: 05/20/19
Model: TRANSUNION/FICO CLASSIC (04)
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------
your credit report.


history changes.
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
* PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
Page: 4/9
* INQUIRIES IMPACTED THE CREDIT SCORE
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------

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

site at

P.O. Box 105281
-----------------------------------------------------------------
-----------------------------------------------------------------
Page: 5/9





the lender.
------------------------------------------------------------------
-----------------
Signature
Date
Page: 6/9

HOUSTON, TX 77027
7136214663
CHITRA H SHUKLA
9518 ROUND UP LN.
HOUSTON, TX 77064
=================================================================
Source: EQUIFAX Date: 05/20/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------
your credit report.


history changes.
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* NUMBER OF BANK OR NATIONAL REVOLVING ACCOUNTS WITH BALANCES
* TOO MANY ACCOUNTS WITH BALANCES
Page: 7/9
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------

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

site at

P.O. Box 105281
-----------------------------------------------------------------
-----------------------------------------------------------------
Page: 8/9





the lender.
------------------------------------------------------------------
-----------------
Signature
Date
Page: 9/9
CORNERSTONE HOME LENDING INC
1177 WEST LOOP S STE 200
HOUSTON, TX 77027
7136214663

CREDIT SCORE INFORMATION DISCLOSURE
SHUKLA, CHITRA H
9518 ROUND UP LN.
HOUSTON, TX 77064

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

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
5/20/2019.
Applicant : SHUKLA, CHITRA H

Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 796 Range: 334-818
Key Factors affecting the score:
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- NUMBER OF BANK OR NATIONAL REVOLVING ACCOUNTS WITH BALANCES
- TOO MANY INQUIRIES LAST 12 MONTHS
- TOO MANY ACCOUNTS WITH BALANCES

Name of Score: TRANSUNION/FICO CLASSIC (04)
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
- PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
- INQUIRIES IMPACTED THE CREDIT SCORE

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
- TOO MANY ACCOUNTS WITH BALANCES
- TOO MANY ACCOUNTS RECENTLY OPENED
Borrower Signature _________________________________________ Date

__________
Page: 2/2

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PERSON NAME: SHUKLA, CHITRA H

PERSON SSN : 861-45-7295

CHITRA H SHUKLA - 461457295

B B ELAN FINANCIAL SERVICEMIN 04/19 $17000 AS AGREED

B B DISCOVER FIN SVCS LLC MIN 05/19 $7900 AS AGREED

B B THD/CBNA MIN 04/19 $8000 AS AGREED

B B AMEX 05/19 $3000 AS AGREED

B B AMEX 05/19 $5000 AS AGREED

B B AMEX/DSNB 04/19 $5000 AS AGREED

B B BANK OF AMERICA 05/19 $5000 AS AGREED

B B CHASE CARD 05/19 $5000 AS AGREED

B B SYNCB/LOWES 05/19 $1500 AS AGREED

B B THD/CBNA 05/19 $2501 AS AGREED

B B US BANK 04/19 $7000 AS AGREED

B B CAP ONE 06/16 $10000 PAID

B B CAPITAL ONE/BEST BUY 07/10 $3000 PAID

B B CBNA 02/13 $2001 PAID

B B CBNA 02/13 $2501 PAID

B B CHASE CARD 08/18 $500 PAID

B B CHASE CARD 09/16 $10000 PAID

B B CHASE CARD 08/14 $19000 PAID

B B CHASE MTG 180 04/15 $72450 PAID

B B CITI 01/15 $10100 INACTIVE

B B CITICARDS CBNA 03/12 $2000 PAID

B B COMENITYCB/HSN 04/19 $4000 PAID

B B COMPASS BANK VISA 04/16 $20000 PAID

B B DISCOVER FIN SVCS LLC 08/18 $11500 PAID

B B DISCOVER FIN SVCS LLC 08/18 $3000 PAID

B B DISCOVER FIN SVCS LLC 08/13 $7000 PAID

B B DSNB MACYS 04/19 $100 INACTIVE

B B FIA CSNA 11/16 $12000 PAID

B B KOHLS/CAPONE 09/18 $1000 PAID

B B KROGR FIN CC 11/10 $7000 PAID

B B SEARS/CBNA 02/18 $2001 INACTIVE

B B SEARS/CBNA 10/16 $2000 INACTIVE

B B SYNCB/CHEV 05/17 $0 PAID

B B SYNCB/HDSE 02/16 $8500 PAID

B B SYNCB/JCP 02/17 $67 PAID

B B SYNCB/LOW 03/18 $12000 CRCDLOST

B B SYNCB/LOWE 04/17 $499 PAID

B B SYNCB/MERV 04/15 $0 PAID

B B TARGET NB 10/11 $200 PAID

B B TNB - TARGET 07/09 $200 PAID

B B WFB CD SVC 10/16 $5000 PAID

SECURED DEBT 21246 HIGH CREDIT 99550

An asterisk (*) following the payment amount indicates the

This is a report containing information supplied by the

TRANS UNION EQUIFAX EXPERIAN

*** END OF REPORT 5/20/2019 8:37:24 AM ***

CORNERSTONE HOME LENDING INC REPORT #: 48390384

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

* END OF REPORT 5/20/2019 8:37:24 AM *