17305

PERSON NAME: CHAKRABARTI, DEBRAJ
PERSON SSN : 865-15-6876

FIRST NAME : CHAKRABARTI
LAST NAME : DEBRAJ
PERSON DOB : 11/12/75
PERSON ADRESS: 1100 106TH AVE NE APT 411, BELLEVUE, WA 98004
PERSON SCORE: 815
-------------------------------------------------------------------
-------------------------------------------------------------------
S O U R C E O F I N F O R M A T I O N
-------------------------------------------------------------------
1 - EXPERIAN
DEBRAJ CHAKRABARTI 145156876 DOB: 11/12/75
145-15-6876
1100 106TH AVE NE APT 411, BELLEVUE, WA 98004-4387
07/18 - 04/19
1733 H ST STE 450, BLAINE, WA 98230-5157 11/17 -
12/17
15180 NE 81ST WAY, REDMOND, WA 98052-4249 05/15 -
12/16
TMOBILE USA// 01/19
BIG FISH GAMES// 10/18
2 - EXPERIAN
SUMANA CHAKRABARTI 765602298 DOB: 11/15/79
765-60-2298
1100 106TH AVE NE APT 411, BELLEVUE, WA 98004-4387
09/18 - 11/18
1733 H ST STE 450, BLAINE, WA 98230-5157 11/17 -
12/17
15180 NE 81ST WAY, REDMOND, WA 98052-4249 12/16
SRP// 03/10
3 - TRANSUNION
DEBRAJ CHAKRABARTI
DOB: 11/12/75
145-15-6876
1100 106TH NE AV #411, BELLEVUE, WA 98004-4387 07/18
1733 H ST #450, BLAINE, WA 98230-5157 10/17
15180 NE 81ST WY #102, REDMOND, WA 98052-4249 05/15
ADRIOT SOFTWARE/TECH SUPPORT/
ADROIT SOFTWARE & CONSULTING/MECH ENGINEER/
4 - TRANSUNION
SUMANA CHAKRABARTI
DOB: 11/15/79
765-60-2298
1100 106TH NE AV #411, BELLEVUE, WA 98004-4387 09/18
1733 H ST #450, BLAINE, WA 98230-5157 10/17
15180 NE 81ST WY #102, REDMOND, WA 98052-4249 05/15
SRP//
5 - EQUIFAX
DEBRAJ CHAKRABARTI DOB: 11/12/75
145-15-6876
1100 106TH AVE NE APT 411, BELLEVUE, WA 98004 08/18 -
05/19
1733 H ST STE 450 PMB 745, BLAINE, WA 98230 11/17 -
Page: 1/11
-------------------------------------------------------------------
APPLICANT:CHAKRABARTI, DEBRAJ
SSN :145-15-6876
ADDRESS :1100 106TH AVE NE APT 411, BELLEVUE, WA 98004
-------------------------------------------------------------------
11/18
15180 NE 81ST WAY UNIT 102, REDMOND, WA 98052 06/15 -
11/17
BIG FISH GAMES/ANALYST II BUSINESS/
6 - EQUIFAX
SUMANA CHAKRABARTI DOB: 11/15/79
765-60-2298
1100 106TH AVE NE APT 411, BELLEVUE, WA 98004 11/18 -
05/19
15180 NE 81ST WAY UNIT 102, REDMOND, WA 98052 07/15 -
05/19
1733 H ST STE 450 PMB 745, BLAINE, WA 98230 11/17 -
05/19
-------------------------------------------------------------------
S C O R E M O D E L S
-------------------------------------------------------------------
DEBRAJ CHAKRABARTI - 145156876
EQUIFAX/FICO CLASSIC V5 FACTA 793
00030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
00023 - NUMBER OF BANK OR NATIONAL REVOLVING ACCOUNTS WITH
BALANCES
00005 - TOO MANY ACCOUNTS WITH BALANCES
00014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

TRANSUNION/FICO CLASSIC (04) 790
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

EXPERIAN/FAIR, ISAAC (VER. 2) 773
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
SUMANA CHAKRABARTI - 765602298

EQUIFAX/FICO CLASSIC V5 FACTA 810
00011 - AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH

TRANSUNION/FICO CLASSIC (04) 796
012 - LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
Page: 2/11
-------------------------------------------------------------------
SSN :145-15-6876
-------------------------------------------------------------------
011 - AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
028 - NUMBER OF ESTABLISHED ACCOUNTS

EXPERIAN/FAIR, ISAAC (VER. 2) 815
10 - PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING
OR ALL REVOLVING ACCOUNTS
09 - TOO MANY ACCOUNTS RECENTLY OPENED
-------------------------------------------------------------------
A L E R T
-------------------------------------------------------------------
DEBRAJ CHAKRABARTI YOB: 1975
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED
SUMANA CHAKRABARTI YOB: 1979
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
-------------------------------------------------------------------
CHAKRABARTI, DEBRAJ 145-15-6876
0001 - FILE PREVIOUS ADDRESS IS A MAIL RECEIVING/FORWARDING
SERVICE (UNIT: 450)
2502 - FILE PREVIOUS ADDRESS HAS BEEN REPORTED MORE THAN ONCE
(UNIT: 825,300,400,420,330)
CHAKRABARTI, SUMANA 765-60-2298

0001 - FILE PREVIOUS ADDRESS IS A MAIL RECEIVING/FORWARDING
SERVICE (UNIT: 450)
2502 - FILE PREVIOUS ADDRESS HAS BEEN REPORTED MORE THAN ONCE
(UNIT: 825,300,400,420,330)
-------------------------------------------------------------------
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 BANK OF AMERICA, N.A. 060 04/19 $39098 AS AGREED
65010049403950 AUTO 01/19 $36675 4 0 0 0
04/19 $716 XP/TU/EF
04/19: CCCC
Page: 3/11
-------------------------------------------------------------------
SSN :145-15-6876
-------------------------------------------------------------------
B B DEPT OF EDUCATION/NELN120 04/19 $20500 AS AGREED
900000536470379 EDU 11/16 $18603 11 0 0 0
04/19 $214 XP/TU/EF
04/19: CCCCCCCCCCC
B B DEPT OF EDUCATION/NELN120 04/19 $5500 AS AGREED

900000249954086 EDU 08/11 $4280 93 0 0 0
04/19 $55 XP/TU/EF
04/19:
CCCCCCCCCC-----------------CC---CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-
A B AMEX MIN 05/19 $23000 AS AGREED

-34999******39763 REV 09/18 $3101 7 0 0 0
05/19 $35 XP/TU/EF
05/19: CCCCCCC
C C AMEX MIN 05/19 $23000 AS AGREED

-34999******32883 REV 09/18 $3101 8 0 0 0
05/19 $35 XP/TU/EF
05/19: CCCCCCCC
C C FED LOAN SERV 120 04/19 $5500 AS AGREED

87774519FD00001 EDU 10/10 $2952 99 0 0 0
04/19 $57 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-------------CCCCCCC
B J BARCLAYS BANK DELAWAREMIN 05/19 $19000 AS AGREED

000192***** REV 11/13 $759 67 0 0 0
05/19 $25 XP/TU/EF
05/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;
B J KOHLS/CAPONE MIN 04/19 $700 AS AGREED

639305******4222 REV 11/06 $256 99 0 0 0
01/19 $27 XP/TU/EF
04/19:
B B CITI MIN 04/19 $4300 AS AGREED

410039******2495 REV 02/10 $179 32 0 0 0
04/19 $25 XP/TU/EF
04/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;
Page: 4/11
-------------------------------------------------------------------
SSN :145-15-6876
-------------------------------------------------------------------
C C AMEX 05/19 $5300 AS AGREED
-34999******82053 REV 05/08 $0 96 0 0 0
03/19 $0 XP/TU/EF
05/19:
B J BANK OF AMERICA 05/19 $7000 AS AGREED

431307******1262 REV 09/06 $0 88 0 0 0
09/18 $0 XP/TU/EF
05/19:
B B ELAN FINANCIAL SERVICE 04/19 $23500 AS AGREED

766001******3 REV 02/09 $0 99 0 0 0
01/19 $0 XP/TU/EF
04/19:
C C MACYS/DSNB 04/19 $1200 AS AGREED

490674****** REV 09/10 $0 99 0 0 0
04/19 $0 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC--CCCCCCCCCCCCCCCCCCCCC
C C SYNCB/GAPDC 05/19 $3600 AS AGREED

447994****** REV 08/15 $0 46 0 0 0
10/18 $0 XP/TU/EF
05/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
-------------------------------------------------------------------
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 AMEX 06/16 $4300 PAID
-34999******24903 REV 02/10 $0 61 0 0 0
05/16 $0 XP/TU/EF
06/16:
-------------------------CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: PURCHASED BY ANOTHER LENDER; ACCOUNT CLOSED;
Page: 5/11
-------------------------------------------------------------------
SSN :145-15-6876
-------------------------------------------------------------------
C C BANK OF AMERICA 11/17 $7000 PAID
431307******6336 REV 11/12 $0 60 0 0 0
03/14 $0 XP/TU/EF
11/17:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; FLEXIBLE SPENDING
CREDIT CARD;
C J CAPITAL ONE BANK USA N 11/13 $7500 PAID

414709****** REV 08/13 $0 3 0 0 0
--/-- $0 XP/TU/EF
11/13: -CC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; FLEXIBLE SPENDING
CREDIT CARD;
B B CITI 07/15 $10000 PAID

542418****** REV 12/10 $0 55 0 0 0
11/13 $0 XP/TU/EF
07/15: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER;
B B DEPT OF EDUCATION/NELN120 10/17 $7000 PAID

900000249954186 EDU 08/11 $0 75 0 0 0
10/17 $0 XP/TU/EF
10/17:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-CCCCCCCCCCCCCCCCCC

900000479874179 EDU 02/15 $0 33 0 0 0
10/17 $0 XP/TU/EF
10/17: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

900000545883879 EDU 08/17 $0 3 0 0 0
10/17 $0 XP/TU/EF
10/17: -CC
J J ELAN FINANCIAL SERVICE 05/13 $7000 PAID

766001******7 REV 10/06 $0 80 0 0 0
05/13 $0 XP/TU/EF
05/13:
-CCCC-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;
Page: 6/11
-------------------------------------------------------------------
SSN :145-15-6876
-------------------------------------------------------------------
C C FED LOAN SERV 133 11/17 $7000 PAID
87774519FD00002 EDU 10/10 $0 85 0 0 0
10/17 $0 XP/TU/EF
11/17:
-CCCCCCCCCCCCCCCCCCCCCCCCCC-------------CCCCCCCCCCCCCCCCCCCCCCCC
J J FREEDOM MORTGAGE CORP 360 10/17 $365000 PAID

95604054 MTG 08/16 $0 12 0 0 0
09/17 $0 XP/TU/EF
10/17: -CCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST; FANNIE MAE ACCOUNT;
B B HNB IND 84 07/12 $23125 PAID

20029323641 AUTO 02/08 $0 51 0 0 0
05/12 $0 XP/TU/EF
05/12: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B SYNCB/AMAZON 05/17 $1100 PAID

604578******1570 REV 09/13 $0 44 0 0 0
--/-- $0 XP/TU/EF
05/17: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER;
B B TOYOTA MOTOR CREDIT 060 01/19 $40135 PAID

70400764900670001 AUTO 10/18 $0 4 0 0 0
01/19 $0 XP/TU/EF
01/19: -CCC
J J TRUWEST 48 04/19 $10434 PAID

3663360144 AUTO 05/12 $0 83 0 0 0
03/16 $0 XP/TU/EF
04/19:
-CCCCCCCCCCCC-------------------------CCCCCCCCCCCCCCCCCCCCCCCCCC
J J TRUWEST 73 04/19 $17011 PAID

3663360142 AUTO 02/10 $0 99 0 0 0
10/15 $0 XP/TU/EF
04/19:
-CCCCCCCCCCCC------------------------------CCCCCCCCCCCCCCCCCCCCC
J J TRUWEST CREDIT UNION 060 03/10 $10010 PAID

3663360143 AUTO 11/07 $0 29 0 0 0
03/10 $0 XP/TU/EF
03/10: -CCCCCCCCCCCCCCCCCCCCCCCCCCCC
Page: 7/11
-------------------------------------------------------------------
SSN :145-15-6876
-------------------------------------------------------------------
J J UMPQUA BANK 360 09/16 $368220 PAID
9768501227984 MTG 04/15 $0 14 0 0 0
08/16 $0 XP/TU/EF
09/16: -CCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST; FREDDIE MAC ACCOUNT;
-------------------------------------------------------------------
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/TU/EF 05/19/19 CORELOGIC CREDCO LLC FINANCE
XP/EF 05/15/19 ADVANTAGE CREDIT INC FINANCE
TU 05/15/19 SAMMAMISH MO FINANCE/NONPERSONAL
XP 04/03/19 AMEX BANKING
-------------------------------------------------------------------
C R E D I T O R S
-------------------------------------------------------------------
- ADVANTAGE CREDIT INC [XP] 303-670-7993
32065 CASTLE CT STE 300,EVERGREEN, CO 80439
- AMERICAN EXPRESS [EF] 800-528-4800
P.O. BOX 7871,FORT LAUDERDALE, FL 33329
- AMEX [XP/TU] 800-874-2717
6522 AIRPORT PKWY,GREENSBORO, NC 27409
- bank of america [XP] 800-759-6262
,
- BANKAMERIC [EF] 800-759-6262
P.O. BOX 7047,DOVER DE 19903
- BANKAMERICA [TU] 800-215-6195
P.O. BOX 2240,BREA, CA 92822
- BARCLAYSBK [EF] p#302-622-89
1007 ORANGE STREET SUITE 1541 PO BOX 26182,WILMINGTON, DE 1980
Page: 8/11
-------------------------------------------------------------------
SSN :145-15-6876
-------------------------------------------------------------------
- CAPITAL 1 BK [TU] 800-955-7070
11013 W BROAD ST,GLEN ALLEN VA 23060
- CAPITAL ONE auto [XP] 800-955-7070
PO BOX 85520,RICHMOND VA 23285
- CAPITAL ONE BANK USA N [EF] 800-955-7070
,
- CITI [XP/TU/EF] 800-950-5114
PO BOX 6241,SIOUX FALLS SD 57117
- CITI CARDS CBSDNA [TU] 800-843-0777
POB 6241,SIOUX FALLS, SD 57117
- CORELOGIC [TU] 800-637-2422
35 N LAKE AVE,PASADENA, CA 91101
- CORELOGIC CREDCO LLC [XP] 800-637-2422
10277 SCRIPPS RANCH BLVD,SAN DIEGO, CA 92131
- Credit Plus [TU] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- DEPT OF EDUCATION/NELN [XP] 888-486-4722
121 S 13TH ST,LINCOLN, NE 68508
- DEPTEDNELNET [MANUAL] 888-486-4722
,
- 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
- ELAN FINANCIAL SERVICE [XP] 800-558-3424
777 E WISCONSIN AVE,MILWAUKEE, WI 53202
- fed loan serv [XP] 800-699-2908
,
- FEDLOAN [TU] 800-699-2908
POB 60610,HARRISBURG, PA 17106
- FREEDOM MORTGAGE CORP [XP] 855-690-5900
10500 KINCAID DR,FISHERS, IN 46037
- FREEDOM MTG [TU] 855-690-5900
907 PLEASANT VALLEY AVE STE 3,MOUNT LAUREL, NJ 08054
- HNTINGTN NTL [TU] 800-323-4695
7450 HUNTINGTON PA,COLUMBUS, OH 43235
- HUNTINGTON NATIONAL [EF] 800-445-8460
7450 HUNTINGTON PK DR HZ0308,COLUMBUS, OH 43235
- HUNTINGTON NATIONAL BA [XP] 800-445-8460
7450 HUNTINGTON PRK DR H,COLUMBUS OH 43235
- JUNIPER BANK [XP/TU] 888-232-0780
1007 N ORANGE ST,WILMINGTON, DE 19801
- KOHLS/CAP1 [EF] 800-564-5740
,
- kohls/capone [XP] 800-564-5740
,
- KOHLS/CAPONE [MANUAL] 800-564-5740
,
- MACY'S/DSNB [EF] 866-593-2543
911 DUKE BLVD,MASON, OH 45040
- MBNA AMERICA [TU] 800-421-2110
PO BOX 17054,WILMINGTON DE 19884
- MCYDSNB [XP] 800-956-6229
,
Page: 9/11
-------------------------------------------------------------------
SSN :145-15-6876
-------------------------------------------------------------------
- SYNCB/AMAZON [XP/TU] 866-634-8379
PO BOX 965015,ORLANDO, FL 32896
- SYNCB/GAPDC [XP/TU] 866-450-4467
PO BOX 965005,ORLANDO, FL 32896
- TOYOTA MTR [TU/EF] 630-368-6400
111 W 22ND ST SUITE 420,OAKBROOK, IL 60521
- TRUWEST [EF] 602-629-1925
8250 E ROOSEVELT,SCOTTSDALE, AZ 85257
- TRUWEST CREDIT UNION [XP] 602-629-1850
1667 N PRIEST DR,TEMPE, AZ 85281
- TRUWEST CU [TU] 480-441-5900
1667 NORTH PRIEST DRIVE,TEMPE, AZ 85281
- UMPQUA BANK [XP] PH#800-625-5
PO BOX 1760,ROSEBURG, OR 97470
- UMPQUA BK [EF] 541-677-1668
500 SE CASS STREET,ROSEBURG, OR 97470
- UMPQUABK [TU] 541-618-6633
2400 POPLAR DRIVE,MEDFORD, OR 97501
-------------------------------------------------------------------
T R A D E S U M M A R Y
-------------------------------------------------------------------
# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 2 0 0 0 0
AUTO 6 36675 39098 716 0
EDUCATION 7 25835 31500 326 0
OTHER INSTALLM 0 0 0 0 0
OPEN 0 0 0 0 0
REVOLVING 16 7396 110600 147 0
OTHER 0 0 0 0 0
TOTAL 31 69906 181198 1189 0
SECURED DEBT 36675 HIGH CREDIT 181198

UNSECURED DEBT 33231 REV CREDIT UTILIZATION 7%
OLDEST TRADE 09/06 TOTAL DEBT/HIGH CREDIT 39%
-------------------------------------------------------------------
D E R O G A T O R Y S U M M A R Y
-------------------------------------------------------------------
CHARGE OFFS 0 30 DAYS 0 INQUIRIES 4
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-31845E4
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 48385809 and password AV-31845E4 to view the
report. For any inquiries regarding this report or services
provided by CREDIT PLUS 2 please contact us at (800) 258-3488.
Page: 10/11
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SSN :145-15-6876
-------------------------------------------------------------------
-------------------------------------------------------------------
D I S C L A I M E R
-------------------------------------------------------------------
An asterisk (*) following the payment amount indicates the

repositories have no payment data and that the amount was
automatically calculated as a percentage of the account balance.
This is a report containing information supplied by the

repositories listed above. The merge process is automated and the
report may include some duplications and/or omissions. Inquiries
regarding any disputed items should be directed to the creditor
reporting the item, or to the appropriate repository service
center(s) listed below.
TRANS UNION EQUIFAX EXPERIAN

PO BOX 1000 PO BOX 740256 PO BOX 2002
CHESTER,PA 19016 ATLANTA,GA 30374 ALLEN,TX 75013
800-916-8800 800-685-1111 888-397-3742
transunion.com/myoptions www.experian.com/reportaccess
www.equifax.com/fcra
-------------------------------------------------------------------
T R E N D S U M M A R Y
-------------------------------------------------------------------
*** END OF REPORT 5/20/2019 10:10:51 AM ***

Page: 11/11
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 596 REPORT #: 48385809

12900 NE 180TH ST STE 140 REFERENCE #: 5960000390
BOTHELL, WA 98011
8552104663
RETURN SERVICE REQUESTED
DEBRAJ CHAKRABARTI
1100 106TH AVE NE APT 411
BELLEVUE, WA 98004
=================================================================
YOUR CREDIT SCORE - 773
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 65 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 WITH BALANCES
* TOO MANY ACCOUNTS RECENTLY OPENED
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

BOTHELL, WA 98011
8552104663
SUMANA CHAKRABARTI
BELLEVUE, WA 98004
=================================================================
Source: EXPERIAN Date: 05/20/19
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
* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
Page: 4/18
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------

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

site at

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





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

BOTHELL, WA 98011
8552104663
DEBRAJ CHAKRABARTI
BELLEVUE, WA 98004
=================================================================
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: 7/18
* INQUIRIES IMPACTED THE CREDIT SCORE
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------

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

site at

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





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

BOTHELL, WA 98011
8552104663
SUMANA CHAKRABARTI
BELLEVUE, WA 98004
=================================================================
Source: TRANS UNION Date: 05/20/19
Model: TRANSUNION/FICO CLASSIC (04)
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------
your credit report.


history changes.
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
* LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* NUMBER OF ESTABLISHED ACCOUNTS
Page: 10/18
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------

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

site at

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





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

BOTHELL, WA 98011
8552104663
DEBRAJ CHAKRABARTI
BELLEVUE, WA 98004
=================================================================
Source: EQUIFAX Date: 05/20/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------
your credit report.


history changes.
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
* 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

BOTHELL, WA 98011
8552104663
SUMANA CHAKRABARTI
BELLEVUE, WA 98004
=================================================================
Source: EQUIFAX Date: 05/20/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------
your credit report.


history changes.
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
Page: 16/18
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------

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

site at

P.O. Box 105281
-----------------------------------------------------------------
-----------------------------------------------------------------
Page: 17/18





the lender.
------------------------------------------------------------------
-----------------
Signature
Date
Page: 18/18
CORNERSTONE HOME LENDING INC - 596
12900 NE 180TH ST STE 140
BOTHELL, WA 98011
8552104663

CREDIT SCORE INFORMATION DISCLOSURE
CHAKRABARTI, DEBRAJ
BELLEVUE, WA 98004

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
5/19/2019.
Applicant : CHAKRABARTI, DEBRAJ

Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 793 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 ACCOUNTS WITH BALANCES
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Name of Score: TRANSUNION/FICO CLASSIC (04)
- 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 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
CORNERSTONE HOME LENDING INC - 596
12900 NE 180TH ST STE 140
BOTHELL, WA 98011
8552104663

CREDIT SCORE INFORMATION DISCLOSURE
CHAKRABARTI, SUMANA
BELLEVUE, WA 98004

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
5/19/2019.
Applicant : CHAKRABARTI, SUMANA

Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH

Name of Score: TRANSUNION/FICO CLASSIC (04)
- LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
- NUMBER OF ESTABLISHED ACCOUNTS

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
Borrower Signature _________________________________________ Date

__________
Page: 2/2

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PERSON NAME: CHAKRABARTI, DEBRAJ

PERSON SSN : 865-15-6876

DEBRAJ CHAKRABARTI - 145156876

DEBRAJ CHAKRABARTI - 145156876

SUMANA CHAKRABARTI - 765602298

SUMANA CHAKRABARTI - 765602298

SUMANA CHAKRABARTI - 765602298

CHAKRABARTI, SUMANA 765-60-2298

B B DEPT OF EDUCATION/NELN120 04/19 $5500 AS AGREED

A B AMEX MIN 05/19 $23000 AS AGREED

C C AMEX MIN 05/19 $23000 AS AGREED

C C FED LOAN SERV 120 04/19 $5500 AS AGREED

B J BARCLAYS BANK DELAWAREMIN 05/19 $19000 AS AGREED

B J KOHLS/CAPONE MIN 04/19 $700 AS AGREED

B B CITI MIN 04/19 $4300 AS AGREED

B J BANK OF AMERICA 05/19 $7000 AS AGREED

B B ELAN FINANCIAL SERVICE 04/19 $23500 AS AGREED

C C MACYS/DSNB 04/19 $1200 AS AGREED

C C SYNCB/GAPDC 05/19 $3600 AS AGREED

C J CAPITAL ONE BANK USA N 11/13 $7500 PAID

B B CITI 07/15 $10000 PAID

B B DEPT OF EDUCATION/NELN120 10/17 $7000 PAID

B B DEPT OF EDUCATION/NELN120 10/17 $7000 PAID

B B DEPT OF EDUCATION/NELN120 10/17 $5000 PAID

J J ELAN FINANCIAL SERVICE 05/13 $7000 PAID

J J FREEDOM MORTGAGE CORP 360 10/17 $365000 PAID

B B HNB IND 84 07/12 $23125 PAID

B B SYNCB/AMAZON 05/17 $1100 PAID

B B TOYOTA MOTOR CREDIT 060 01/19 $40135 PAID

J J TRUWEST 48 04/19 $10434 PAID

J J TRUWEST 73 04/19 $17011 PAID

J J TRUWEST CREDIT UNION 060 03/10 $10010 PAID

SECURED DEBT 36675 HIGH CREDIT 181198

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 10:10:51 AM ***

CORNERSTONE HOME LENDING INC - 596 REPORT #: 48385809

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

CORNERSTONE HOME LENDING INC - 596 REPORT #: 48385809

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

* END OF REPORT 5/20/2019 10:10:51 AM *