PERSON NAME: LARRYWALKER

PERSON SSN : 423-52-8757

FIRST NAME : :
LAST NAME : LARRYWALKER
Source:
PERSON DOB : 05/14/1941

PERSON ADRESS: 4019 WILLIFORD WAY, SPRING HILL, TN 37174

PERSON SCORE: 813

WALKER, LARRY ALLEN 423-52-8757

WALKER JOYCE NATALIE 100-40-9102
DATE: 09/01/2019 PAGE 1 OF 14
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.

VELOCIO MORTGAGE L.L.C. FACTUAL DATA

4372 N LOOP 1604 WEST, STE 200 5100 HAHNS PEAK DRIVE
SAN ANTONIO, TX 78249 LOVELAND, CO 80538
(210)971-6105 (4406-0086HD) (800)324-5005

REF #K4406BXC70F4798 09/01/2019 09:48:13

SOURCE: JESCAMILLA CHARGES: 93.64
_______________________________________________________________________________
APPLICATION INFORMATION

WALKER, LARRY ALLEN 423-52-8757 Revised: 09/01/201905/14/1941

WALKER, JOYCE NATALIE 100-40-9102 11/18/1947

PRESENT ADDRESS: 4019 WILLIFORD WAY, SPRING HILL, TN 37174

_______________________________________________________________________________
FILE VERIFICATIONS

TU UA11 B 423-52-8757 WALKER, LARRY A

09/01/19 09:48 DOB: 05/14/1941
EQUIFAX QA11 B 423-52-8757 WALKER, LARRY A
09/01/19 09:48 DOB: 05/14/1941
EXPERIAN RA11 B 423-52-8757 WALKER, LARRY A
09/01/19 09:48 DOB: 1941
TU UC11 C 100-40-9102 WALKER, JOYCE NATALIE
 09/01/19 09:48 DOB: 11/18/1947
EQUIFAX QC11 C 100-40-9102 WALKER, NATALIE JOYCE
09/01/19 09:48 DOB: 11/00/1947
EXPERIAN RC11 C 100-40-9102 WALKER, JOYCE N
09/01/19 09:48 DOB: 1947

CONTINUED ON NEXT PAGE

WALKER, LARRY ALLEN 423-52-8757
WALKER JOYCE NATALIE 100-40-9102
DATE: 09/01/2019 PAGE 2 OF 14

_______________________________________________________________________________
CREDIT SCORE INFORMATION

FAIR ISAAC/EXPERIAN INFORMATION: B 423-52-8757 WALKER, LARRY A

CREDIT RISK SCORE: 0812 [Fair Isaac V2]
FAIR ISAAC REASON CODES
06 - TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS
09 - TOO MANY ACCOUNTS RECENTLY OPENED
05 - TOO MANY ACCOUNTS WITH BALANCES
14 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

FAIR ISAAC/EXPERIAN INFORMATION: C 100-40-9102 WALKER, JOYCE N

CREDIT RISK SCORE: 0817 [Fair Isaac V2]
FAIR ISAAC REASON CODES
06 - TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS
05 - TOO MANY ACCOUNTS WITH BALANCES
14 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
24 - NO RECENT REVOLVING BALANCES

FAIR ISAAC/TRANS UNION EMPIRICA INFORMATION: B 423-52-8757 WALKER, LARRY A

CREDIT RISK SCORE: 819 [Classic 04]
EMPIRICA REASON CODES
030 - Time since most recent account opening is too short
028 - Number of established accounts
003 - Proportion of loan balances to loan amounts is too high
005 - Too many accounts with balances

FAIR ISAAC/TRANS UNION EMPIRICA INFORMATION: C 100-40-9102 WALKER, JOYCE NATALIE

CREDIT RISK SCORE: 810 [Classic 04]
EMPIRICA REASON CODES
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
005 - Too many accounts with balances

FAIR ISAAC/EQUIFAX BEACON INFORMATION: B 423-52-8757 WALKER, LARRY A

CREDIT RISK SCORE: 0813 [BEACON 5]
BEACON REASON CODES
30 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
08 - TOO MANY INQUIRIES LAST 12 MONTHS
05 - TOO MANY ACCOUNTS WITH BALANCES
14 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

FAIR ISAAC/EQUIFAX BEACON INFORMATION: C 100-40-9102 WALKER, NATALIE JOYCE

CREDIT RISK SCORE: 0816 [BEACON 5]
BEACON REASON CODES
30 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
05 - TOO MANY ACCOUNTS WITH BALANCES
14 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
_______________________________________________________________________________
PUBLIC RECORDS
NO PUBLIC RECORDS FOUND.
CONTINUED ON NEXT PAGE
WALKER, LARRY ALLEN 423-52-8757
WALKER JOYCE NATALIE 100-40-9102
DATE: 09/01/2019 PAGE 3 OF 14

09/01/2019 VELOCIO MORTGAGE LLC

UA11 UC11
12/28/2018 CBNA/BBY
QA11
_______________________________________________________________________________
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

VA REAL ESTATE MORTGAGE; REAL ESTATE MORTGAGE; VA MORTGAGE

GATEWAY MORTGAGE GRO 07/19 --- JOINT $0 PAST DUE
50025263 07/19 11/16 250000 231878 M1 31 0 0 0 360X $1422
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________

AUTO LEASE; AUTO; LEASE; FIXED RATE

AMERICAN HONDA FINANCE 08/19 --- JOINT $0 PAST DUE
418459937 08/19 05/18 10840 6022 I1 15 0 0 0 36X $301
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________

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

CARD
REGIONS BANK 08/19 15000 JOINT $0 PAST DUE
0038 08/19 12/16 1212 7 R1 32 0 0 0 REV X $7
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________

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

FIXED RATE
AMERICAN HONDA FINAN 06/18 --- JOINT $ PAST DUE
302801340 08/19 09/15 7132 0 I1 47 0 0 0 CLOSED
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________

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

FIXED RATE
AMERICAN HONDA FINAN 09/15 --- JOINT $ PAST DUE
178769745 12/17 08/14 6561 0 I1 40 0 0 0 CLOSED
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________

CREDIT LINE CLOSED - CONSUMER'S REQUEST - REPORTED BY

SUBSCRIBER; ACCOUNT CLOSED BY CONSUMER; ACCOUNT CLOSED AT
CONSUMER'S REQUEST
BANK OF AMERICA 12/10 6400 IND $0 PAST DUE
9884 03/11 11/06 --- 0 R1 53 0 0 0 CLOSED
RC11 UC11 QC11
_____________________________________________________________________
CONTINUED ON NEXT PAGE
WALKER, LARRY ALLEN 423-52-8757
WALKER JOYCE NATALIE 100-40-9102
DATE: 09/01/2019 PAGE 4 OF 14

_______________________________________________________________________________
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

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

REPORTED BY SUBSCRIBER; ACCOUNT CLOSED BY CONSUMER; ACCOUNT
CLOSED AT CONSUMER'S REQUEST; AMOUNT IN H/C COLUMN IS CREDIT
LIMIT
BANK OF AMERICA 01/15 5000 IND $0 PAST DUE
2668 02/15 11/95 1202 0 R1 99 0 0 0 CLOSED
RC11 UC11 QC11
_____________________________________________________________________

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

BEST BUY/CBNA 12/18 8000 IND $0 PAST DUE
1471 08/19 12/18 --- 0 R1 8 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________

CHARGE ACCOUNT; CLOSED OR PAID ACCOUNT/ZERO BALANCE

CAPITAL ONE / BEST B 02/08 0 IND $ PAST DUE
4609 11/09 12/06 4260 0 R1 35 0 0 0 CLOSED
QA11
_____________________________________________________________________

CHARGE ACCOUNT; CLOSED OR PAID ACCOUNT/ZERO BALANCE

CAPITAL ONE / GUITAR 11/07 0 IND $ PAST DUE
8831 02/10 12/06 2731 0 R1 38 0 0 0 CLOSED
QC11
_____________________________________________________________________

VA REAL ESTATE MORTGAGE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO

BALANCE; REAL ESTATE MORTGAGE; FIXED RATE
CENTRAL LOAN ADMIN R 05/14 --- JOINT $ PAST DUE
3000052324183 06/14 07/13 267000 0 M1 7 0 0 0 CLOSED
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________

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

STUDENT LOAN
CES/SLMTRUST 08/13 --- IND $0 PAST DUE
1004091021 08/13 03/06 21373 0 I1 90 0 0 0 CLOSED
RC11 UC11 QC11
_____________________________________________________________________
CONTINUED ON NEXT PAGE
WALKER, LARRY ALLEN 423-52-8757
WALKER JOYCE NATALIE 100-40-9102
DATE: 09/01/2019 PAGE 5 OF 14

_______________________________________________________________________________
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

UNSECURED; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE

FARM CREDIT MID AMER 01/12 --- JOINT $ PAST DUE
1246645700 03/12 08/11 10000 0 I1 7 0 0 0 CLOSED
UA11 UC11 QA11 QC11
_____________________________________________________________________

REAL ESTATE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE; REAL

ESTATE MORTGAGE
FARM CREDIT MID AMER 08/13 --- IND $ PAST DUE
7675101800 10/13 09/07 25500 0 M1 73 0 0 0 CLOSED
UA11 QA11
_____________________________________________________________________

HOME EQUITY LINE OF CREDIT; CLOSED OR PAID ACCOUNT/ZERO

BALANCE; HOME EQUITY; VARIABLE/ADJUSTABLE RATE
FARMERS BANK TRUST C 08/13 25000 IND $ PAST DUE
0207 09/13 02/07 25000 0 C1 75 0 0 0 CLOSED
RC11 QC11
_____________________________________________________________________

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
GOODYEAR TIRE/CBNA 01/17 2800 IND $0 PAST DUE
9764 03/18 12/12 921 0 R1 63 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

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

BY SUBSCRIBER; CANCELED BY CREDIT GRANTOR; CLOSED OR PAID
ACCOUNT/ZERO BALANCE; ACCOUNT CLOSED BY CREDIT GRANTOR
HOME PROJECTS VISA C 06/12 8500 IND $0 PAST DUE
9170 09/12 02/11 3970 0 R1 19 0 0 0 CLOSED
RC11 UC11 QC11
_____________________________________________________________________

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

CARD
JPMCB - CARD SERVICE 04/17 7500 IND $0 PAST DUE
4939 08/19 04/12 12969 0 R1 89 0 0 0 REV X $0
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________
CONTINUED ON NEXT PAGE
WALKER, LARRY ALLEN 423-52-8757
WALKER JOYCE NATALIE 100-40-9102
DATE: 09/01/2019 PAGE 6 OF 14

_______________________________________________________________________________
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

CONVENTIONAL MORTGAGE; CLOSED; FANNE MAE ACCOUNT; CLOSED OR

PAID ACCOUNT/ZERO BALANCE; FIXED RATE
JPMCB - HOME LENDING 12/12 --- IND $0 PAST DUE
1560607010170 12/12 04/03 110200 0 M1 99 0 0 0 CLOSED
RC11 UC11 QC11
_____________________________________________________________________

CONVENTIONAL MORTGAGE; CLOSED; FANNE MAE ACCOUNT; CLOSED OR

PAID ACCOUNT/ZERO BALANCE; FIXED RATE
JPMCB - HOME LENDING 08/15 --- IND $ PAST DUE
4651304334516 09/15 12/12 93223 0 M1 30 0 0 0 CLOSED
RC11 UC11 QC11
_____________________________________________________________________

CHARGE ACCOUNT; CLOSED DUE TO INACTIVITY; CLOSED OR PAID

ACCOUNT/ZERO BALANCE; CHARGE; ACCOUNT CLOSED DUE TO INACTIVITY
MACY S/DSNB 11/99 100 IND $ PAST DUE
9360 08/19 02/99 --- 0 R1 99 0 0 0 CLOSED
RA11 QA11
_____________________________________________________________________

VA REAL ESTATE MORTGAGE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO

BALANCE; REAL ESTATE MORTGAGE; FIXED RATE
NATIONSTAR DBA MR CO 11/16 --- JOINT $ PAST DUE
630647279 01/17 08/15 323625 0 M1 13 0 0 0 CLOSED
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________

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

STUDENT LOAN
SALLIE MAE 09/13 --- IND $ PAST DUE
5029350469851492 10/13 09/04 6058 0 I1 99 0 0 0 CLOSED
RC11 UC11 QC11
_____________________________________________________________________

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

STUDENT LOAN
SALLIE MAE 10/13 --- IND $ PAST DUE
5029350469851500 11/13 06/05 3196 0 I1 99 0 0 0 CLOSED
RC11 UC11 QC11
_____________________________________________________________________
CONTINUED ON NEXT PAGE
WALKER, LARRY ALLEN 423-52-8757
WALKER JOYCE NATALIE 100-40-9102
DATE: 09/01/2019 PAGE 7 OF 14

_______________________________________________________________________________
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

CONVENTIONAL MORTGAGE; CLOSED; FANNE MAE ACCOUNT; CLOSED OR

PAID ACCOUNT/ZERO BALANCE; VARIABLE/ADJUSTABLE RATE
SUNTRUST BANK/CC 510 08/13 --- IND $0 PAST DUE
9420286924493 08/13 12/11 236000 0 M1 19 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

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

AMOUNT IN H/C COLUMN IS CREDIT LIMIT
SYNCB/BELK 09/14 1024 IND $0 PAST DUE
5830 08/15 11/10 1645 0 R1 57 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

CHARGE ACCOUNT; CLOSED OR PAID ACCOUNT/ZERO BALANCE

SYNCB/BELK 12/06 0 IND $ PAST DUE
1135 07/15 11/06 332 0 R1 99 0 0 0 CLOSED
QA11
_____________________________________________________________________

CHARGE ACCOUNT; CLOSED DUE TO INACTIVITY; INACTIVE ACCOUNT;

CLOSED OR PAID ACCOUNT/ZERO BALANCE; AMOUNT IN H/C COLUMN IS
CREDIT LIMIT
SYNCB/CARE CREDIT 10/14 6000 IND $0 PAST DUE
4544 09/16 02/10 4600 0 R1 79 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

CHARGE ACCOUNT; CLOSED DUE TO INACTIVITY; INACTIVE ACCOUNT;

CLOSED OR PAID ACCOUNT/ZERO BALANCE; CHARGE
SYNCB/HAVERTYS 03/17 6000 IND $0 PAST DUE
5348 08/17 08/13 4623 0 R1 47 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

CHARGE ACCOUNT; CLOSED OR PAID ACCOUNT/ZERO BALANCE

SYNCB/LOWES 01/06 0 IND $ PAST DUE
3193 10/15 08/05 2170 0 R1 99 0 0 0 CLOSED
QA11
_____________________________________________________________________
CONTINUED ON NEXT PAGE
WALKER, LARRY ALLEN 423-52-8757
WALKER JOYCE NATALIE 100-40-9102
DATE: 09/01/2019 PAGE 8 OF 14

_______________________________________________________________________________
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

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

H/C COLUMN IS CREDIT LIMIT
SYNCB/MOHAWK INDUSTR 02/07 7000 IND $ PAST DUE
0903 09/16 04/06 1300 0 R1 99 0 0 0 CLOSED
QC11
_____________________________________________________________________

CREDIT CARD; CLOSED DUE TO INACTIVITY; INACTIVE ACCOUNT;

CLOSED OR PAID ACCOUNT/ZERO BALANCE; CREDIT CARD
SYNCB/STEIN MART DC 08/19 1024 IND $0 PAST DUE
8202 08/19 07/17 --- 0 R1 26 0 0 0 CLOSED
RC11 UC11 QC11
_____________________________________________________________________

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

CHARGE
SYNCB/STEINMART 09/15 1024 IND $0 PAST DUE
9426 05/17 07/13 67 0 R1 46 0 0 0 CLOSED
RC11 UC11 QC11
_____________________________________________________________________

CHARGE ACCOUNT; CLOSED DUE TO INACTIVITY; CLOSED OR PAID

ACCOUNT/ZERO BALANCE; AMOUNT IN H/C COLUMN IS CREDIT LIMIT
SYNCHRONY NETWORKS 07/08 6000 IND $ PAST DUE
9284 09/16 07/06 865 0 R1 99 0 0 0 CLOSED
RC11 QC11
_____________________________________________________________________

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

BY SUBSCRIBER; CLOSED OR PAID ACCOUNT/ZERO BALANCE; AMOUNT IN
H/C COLUMN IS CREDIT LIMIT
TARGET NATIONAL BANK 11/08 200 IND $ PAST DUE
5104 10/11 10/08 375 0 R1 35 0 0 0 CLOSED
RA11 QA11
_____________________________________________________________________

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

THD/CBNA 02/17 2501 IND $0 PAST DUE
2703 08/19 11/16 58 0 R1 34 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________
CONTINUED ON NEXT PAGE
WALKER, LARRY ALLEN 423-52-8757
WALKER JOYCE NATALIE 100-40-9102
DATE: 09/01/2019 PAGE 9 OF 14

_______________________________________________________________________________
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

CREDIT CARD; CLOSED OR PAID ACCOUNT/ZERO BALANCE; ACCOUNT

CLOSED BY CREDIT GRANTOR
USAA FEDERAL SAVINGS 02/08 21500 IND $ PAST DUE
3001 04/11 10/86 13878 0 R1 99 0 0 0 CLOSED
QA11
_____________________________________________________________________

AUTOMOBILE; 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
USAA FEDERAL SAVINGS B 01/12 --- IND $0 PAST DUE
1002846663 01/12 02/11 11100 0 I1 12 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

HOME EQUITY LINE OF CREDIT; 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
USAA FEDERAL SAVINGS B 08/13 85000 IND $0 PAST DUE
2029 09/13 12/11 68801 0 C1 22 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
USAA SAVINGS BANK 07/13 21500 IND $0 PAST DUE
2926 04/14 10/86 13878 0 R1 95 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

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

USAA SAVINGS BANK 09/16 21000 IND $0 PAST DUE
2048 08/19 09/14 116 0 R1 60 0 0 0 REV X $0
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________
===============================================================================
TOTALS HIGH LMT
HIGH BAL CUR BAL PASTDUE PAYMENT
258073
1546781 237907 0 1730
===============================================================================
CONTINUED ON NEXT PAGE
WALKER, LARRY ALLEN 423-52-8757
WALKER JOYCE NATALIE 100-40-9102
DATE: 09/01/2019 PAGE 10 OF 14

_______________________________________________________________________________
CREDITOR INFORMATION

AMERICAN HONDA FINAN (800)408-6132

10801 WALKER ST STE 140, CYPRESS, CA 90630

AMERICAN HONDA FINAN (800)408-6132

10801 WALKER ST STE 140, CYPRESS, CA 90630

AMERICAN HONDA FINANCE (800)517-9699

13856 BALLANTYNE CORPORA, CHARLOTTE, NC 28277

BANK OF AMERICA (800)421-2110

PO BOX 982238, EL PASO, TX 79998

BANK OF AMERICA
PO BOX 982238, EL PASO, TX 79998

CENTRAL LOAN ADMIN R (609)883-3900

425 PHILLIPS BLVD, EWING, NJ 08618

CES/SLMTRUST
501 BLEECKER ST, UTICA, NY 13501

FARMERS BANK TRUST C (870)763-8101

400 W MAIN ST, BLYTHEVILLE, AR 72315

GATEWAY MORTGAGE GRO (918)712-9000

244 S GATEWAY PL, JENKS, OK 74037

GOODYEAR TIRE/CBNA
PO BOX 6497, SIOUX FALLS, SD 57117

HOME PROJECTS VISA C (800)737-6682

PO BOX 94498, LAS VEGAS, NV 89193

JPMCB - CARD SERVICE (800)945-2000

PO BOX 15298, WILMINGTON, DE 19850

JPMCB - HOME LENDING (800)848-9136

700 KANSAS LN, MONROE, LA 71203

JPMCB - HOME LENDING (800)848-9136

700 KANSAS LN, MONROE, LA 71203

MACY S/DSNB (800)243-6552

PO BOX 8218, MASON, OH 45040

NATIONSTAR DBA MR CO (469)549-2000

8950 CYPRESS WATERS BLVD, COPPELL, TX 75019

REGIONS BANK (800)734-4667

1900 5TH AVE N, BIRMINGHAM, AL 35203
CONTINUED ON NEXT PAGE
WALKER, LARRY ALLEN 423-52-8757
WALKER JOYCE NATALIE 100-40-9102
DATE: 09/01/2019 PAGE 11 OF 14

_______________________________________________________________________________
CREDITOR INFORMATION

SALLIE MAE (888)272-5543

PO BOX 9655, WILKES BARRE, PA 18773

SALLIE MAE (888)272-5543

PO BOX 9655, WILKES BARRE, PA 18773

SUNTRUST BANK/CC 510 (804)291-0620

1001 SEMMES AVE, RICHMOND, VA 23224

SYNCB/BELK (800)669-6550
PO BOX 965028, ORLANDO, FL 32896

SYNCB/CARE CREDIT (937)534-6950

950 FORRER BLVD, KETTERING, OH 45420

SYNCB/HAVERTYS (866)396-8254
950 FORRER BLVD, KETTERING, OH 45420

SYNCB/STEIN MART DC (866)864-2149

PO BOX 965005, ORLANDO, FL 32896

SYNCB/STEINMART (855)269-2139
PO BOX 965005, ORLANDO, FL 32896

SYNCHRONY NETWORKS (866)396-8254

PO BOX 965036, ORLANDO, FL 32896

TARGET NATIONAL BANK (888)755-5856

PO BOX 673, MINNEAPOLIS, MN 55440

THD/CBNA
PO BOX 6497, SIOUX FALLS, SD 57117

USAA FEDERAL SAVINGS B

10750 MCDERMOTT FWY, SAN ANTONIO, TX 78288

USAA FEDERAL SAVINGS B

PO BOX 47504, SAN ANTONIO, TX 78265

USAA SAVINGS BANK

PO BOX 47504, SAN ANTONIO, TX 78265

USAA SAVINGS BANK

PO BOX 47504, SAN ANTONIO, TX 78265

_______________________________________________________________________________
OFAC

Name: LARRY WALKER

Source: BX1
 Applicant input name checked. No similar records found in OFAC's watch
list.
OFAC NO RECORD FOUND
Name: JOYCE WALKER
Source: CX1

Co-Applicant input name checked. No similar records found in OFAC's watch

list.
OFAC NO RECORD FOUND
CONTINUED ON NEXT PAGE
WALKER, LARRY ALLEN 423-52-8757
WALKER JOYCE NATALIE 100-40-9102
DATE: 09/01/2019 PAGE 12 OF 14

_______________________________________________________________________________
MISCELLANEOUS INFORMATION

AKA: WALKER, COLLARRY, A

UA11
AKA: MATHISON, NATALIE, J
AKA: WALKER, NATALIE, J
AKA: MATHERSON, NATALIE, J
UC11
NICKNAME: LARRY, A WALKER
RA11
WALKER, NATALIE
AKA: MATHISON, NATALIE J
AKA: NATALIE, MATHISON
AKA: MATHISON, JOYCE N
AKA: MATHERSON, NATALIE J
RC11
FORMER NAME: WALKER, JOYCE N
FORMER NAME: MATHISON, NATALIE JOYCE
FORMER NAME: MATHISON, JOYCE NATALIE
FORMER NAME: MATHISON, JNATALIE
FORMER NAME: MATHISON, NATHLIE J
QC11
CONSUMER STATEMENT: FRAUD VICTIM. 'INITIAL ALERT'. CONSUMER HAS REQUESTED
AN ALERT BE PLACED ON THEIR CREDIT FILE.
QC11
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
FACTA: INITIAL FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE
OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT (615) 210-5004
FACTA: INITIAL FRAUD ALERT ON FILE
UC11
FACTA: 27& 01-18-19 2499947 ID SECURITY ALERT: FRAUDULENT APPLICATIONS MAY
BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY
CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT
WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT
615-210-5004. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING
01-18-19.
RC11
FACTA: FRAUD VICTIM - INITIAL ALERT
QC11
_______________________________________________________________________________
REPOSITORY ADDRESS INFORMATION

4019 WILLIFORD WY, SPRING HILL, TN 37174-6224 --- 12/16 B/C

UA11 UC11
215 CALIFORNIA CT, MISSION VIEJO, CA 92692-4082 09/15 09/15 B/C
UA11 RA11 RC11 QC11 QA11
27995 CALLE VALDES, MISSION VIEJO, CA 92692-1550 05/14 05/14 B/C
UA11 UC11 RA11 RC11 QC11 QA11
27795 CALLE VALDES, MISSION VIEJO, CA 92692-1549 --- 04/14 COB
UC11
CONTINUED ON NEXT PAGE
WALKER, LARRY ALLEN 423-52-8757
WALKER JOYCE NATALIE 100-40-9102
DATE: 09/01/2019 PAGE 13 OF 14

_______________________________________________________________________________
REPOSITORY ADDRESS INFORMATION

4019 WILLIFORD WAY, SPRING HILL, TN 37174-6224 12/16 06/18 B/C

RA11 RC11 QC11 QA11

_______________________________________________________________________________
REPOSITORY EMPLOYMENT INFORMATION

US ARMY CAPTIN --- --- BOR

UA11 QA11
DEPT OF LABOR 11/07 11/07 COB
UC11 RC11
STATE OF TENNESSEE ADMINISTRATIVE SECRETA 11/06 02/07 COB
UC11 RC11
RETIRED 08/14 09/15 BOR
RA11
ALIMONY --- --- COB
QC11
TEMP SERVICES --- --- COB
QC11
UNKNOWN --- --- BOR
QA11

_______________________________________________________________________________
SUMMARY INFORMATION

OLDEST TRADELINE DATE.....................................10/1986

PUBLIC RECORDS..................................................0
NUMBER OF INQUIRIES IN LAST 120 DAYS:...........................1
NUMBER OF OPEN REVOLVING TRADES:................................5
NUMBER OF OPEN INSTALLMENT TRADES:..............................2
NUMBER OF BALANCE MONTHLY TRADES:...............................0
TOTAL NUMBER OF OPEN TRADES:....................................7
REVOLVING CREDIT LIMIT:..................................$258,073
REVOLVING HIGH BALANCE:..................................$164,973
INSTALLMENT HIGH BALANCE:..............................$1,381,808
BALANCE MONTHLY HIGH BALANCE:..................................$0
BALANCE MONTHLY OWED:..........................................$0
REVOLVING BALANCE OWED.........................................$7
INSTALLMENT BALANCE OWED.................................$237,900
TOTAL BALANCE OWED:......................................$237,907
OPEN REVOLVING PAYMENTS:.......................................$7
OPEN INSTALLMENT PAYMENTS:...................................1723
TOTAL OPEN PAYMENTS:.........................................1730
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
CONTINUED ON NEXT PAGE
WALKER, LARRY ALLEN 423-52-8757
WALKER JOYCE NATALIE 100-40-9102
DATE: 09/01/2019 PAGE 14 OF 14

_______________________________________________________________________________
SUMMARY INFORMATION

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.....................................41

018B741F8ED0

END OF REPORT
 Your Credit Score and the Price You Pay for Credit

VELOCIO MORTGAGE L.L.C. --------------------------------

4372 N LOOP 1604 WEST, STE 200
|Request Date:|9/1/2019 |

SAN ANTONIO TX 78249 |-------------|----------------|

(210)971-6105
|Report ID: |K4406BXC70F4798 |

--------------------------------
RETURN SERVICE REQUESTED

Larry ALLEN Walker

4019 Williford Way
Spring Hill, TN 37174

------------------------------------------------------------------------------
| Your Credit Score |
|----------------------------------------------------------------------------|
| Your Credit | 813 |
| Score | Source: Equifax Consumer Relations 9/1/2019 |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| 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 [ 97 ] 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 | 08 TOO MANY INQUIRIES LAST 12 MONTHS |
| credit score | 05 TOO MANY ACCOUNTS WITH BALANCES |
| | 14 LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED |

------------------------------------------------------------------------------
CONTINUED ON NEXT PAGE
------------------------------------------------------------------------------
| 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. |
------------------------------------------------------------------------------

CONTINUED ON NEXT PAGE

 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
 Your Credit Score and the Price You Pay for Credit

VELOCIO MORTGAGE L.L.C. --------------------------------

4372 N LOOP 1604 WEST, STE 200
|Request Date:|9/1/2019 |

SAN ANTONIO TX 78249 |-------------|----------------|

(210)971-6105
|Report ID: |K4406BXC70F4798 |

--------------------------------
RETURN SERVICE REQUESTED

Joyce NATALIE Walker

4019 Williford Way
Spring Hill, TN 37174

------------------------------------------------------------------------------
| Your Credit Score |
|----------------------------------------------------------------------------|
| Your Credit | 816 |
| Score | Source: Equifax Consumer Relations 9/1/2019 |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| 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 [ 98 ] 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 | 05 TOO MANY ACCOUNTS WITH BALANCES |
| credit score | 14 LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED |
| | 00 |

------------------------------------------------------------------------------
CONTINUED ON NEXT PAGE
------------------------------------------------------------------------------
| 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. |
------------------------------------------------------------------------------

CONTINUED ON NEXT PAGE

 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