PERSON NAME: CHANEY, RAY

PERSON SSN : 256-98-5077

FIRST NAME : CHANEY
LAST NAME : RAY
PERSON DOB : 03/26/56
PERSON ADRESS: 1633 HOLLY LANE, EAST WENATCHEE, WA 98802
PERSON SCORE: 839
-------------------------------------------------------------------
APPLICANT:CHANEY, RAY CO-APP:CHANEY, ELISSA
SSN :256-98-5077 CO-SSN:155-42-9182
ADDRESS :1633 HOLLY LANE, EAST WENATCHEE, WA 98802
-------------------------------------------------------------------
S O U R C E O F I N F O R M A T I O N
-------------------------------------------------------------------
1 - EXPERIAN
RAYMOND C CHANEY 256985077 DOB: 03/26/56
RAY C CHANEY 256985077 DOB: N/A
256-98-5077
1633 HOLLY LN, EAST WENATCHEE, WA 98802-8329 07/15 -
09/17
1381 BLACK HICKORY PL, NORCROSS, GA 30093-3047 02/89
- 02/97
2280 HONEYSUCKLE LN SE, SMYRNA, GA 30080-4612 08/94 -
01/97
LADE ELECTRIC// 12/97

2 - EXPERIAN
ELISSA R CHANEY 155429182 DOB: 05/24/55
LISA CHANEY 155429182 DOB: N/A
155-42-9182
1633 HOLLY LN, EAST WENATCHEE, WA 98802-8329 07/15 -
09/17
560 WOODROW DR, LAWRENCEVILLE, GA 30043-2326 07/95 -
12/15
2280 HONEYSUCKLE LN SE, SMYRNA, GA 30080-4612 08/94 -
02/01
GWINNETT CTY TEACHER// 08/04
RETIRED// 01/10

3 - TRANSUNION
RAYMOND C CHANEY
DOB: 03/26/56
256-98-5077
1633 HOLLY LN, EAST WENATCHEE, WA 98802-8329 07/15
560 WOODROW DR, LAWRENCEVILLE, GA 30043-2326 08/97
2252 PO BOX 2252, BLUE RIDGE, GA 30513-0039 12/93
BOOKS R FUN/SALESMAN/
WADE ELECTRIC COMPANY//

4 - TRANSUNION
ELISSA R CHANEY
CHANEY,LISA
DOB: 05/24/55
155-42-9182
1633 HOLLY LN, EAST WENATCHEE, WA 98802-8329 07/15
560 WOODROW DR, LAWRENCEVILLE, GA 30043-2326 06/95
2280 HONEYSUCKLE SE LN, SMYRNA, GA 30080-4612 07/94
GWINNETT CTY TEACHER//
5 - EQUIFAX
RAYMOND CURTIS CHANEY DOB: 03/26/56
Page: 1/13
-------------------------------------------------------------------
APPLICANT:CHANEY, RAY
SSN :256-98-5077
ADDRESS :1633 HOLLY LANE, EAST WENATCHEE, WA 98802
-------------------------------------------------------------------
256-98-5077
1633 HOLLY LN, EAST WENATCHEE, WA 98802 08/15 - 05/19
560 WOODROW DR, LAWRENCEVILLE, GA 30043 09/95 - 05/19
1381 BLACK HICKORY PL, NORCROSS, GA 30093 06/95 -
05/19
LAWRENCEVILLE WINNELSON//
DEKALB CTY SCHS//
DH SUPPLY//

6 - EQUIFAX
ELISSA R CHANEY DOB: 05/24/55
155-42-9182
1633 HOLLY LN, EAST WENATCHEE, WA 98802 07/15 - 05/19
560 WOODROW DR, LAWRENCEVILLE, GA 30043 09/96 - 05/19
2280 HONEYSUCKLE LN SE, SMYRNA, GA 30080 08/95 -
05/19
GUINETTE COUNTY SCHOOLS/TEACHER/
GWINNETT COUNTY PUBLIC SCHOOLS//
TEACHER/GWINNETT CO SCHOOLS/

-------------------------------------------------------------------
S C O R E M O D E L S
-------------------------------------------------------------------
RAYMOND CURTIS CHANEY - 256985077
EQUIFAX/FICO CLASSIC V5 FACTA 810
00011 - AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
00032 - LACK OF RECENT INSTALLMENT LOAN INFORMATION

RAYMOND C CHANEY - 256985077

TRANSUNION/FICO CLASSIC (04) 809
004 - LACK OF RECENT INSTALLMENT LOAN INFORMATION
014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

RAY C CHANEY - 256985077

EXPERIAN/FAIR, ISAAC (VER. 2) 839
01 - AMOUNT OWED ON ACCOUNTS IS TOO HIGH

ELISSA R CHANEY - 155429182

EQUIFAX/FICO CLASSIC V5 FACTA 806
00011 - AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
00032 - LACK OF RECENT INSTALLMENT LOAN INFORMATION

ELISSA R CHANEY - 155429182

TRANSUNION/FICO CLASSIC (04) 809
004 - LACK OF RECENT INSTALLMENT LOAN INFORMATION
014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

ELISSA R CHANEY - 155429182

EXPERIAN/FAIR, ISAAC (VER. 2) 839
01 - AMOUNT OWED ON ACCOUNTS IS TOO HIGH
Page: 2/13
-------------------------------------------------------------------
APPLICANT:CHANEY, RAY
SSN :256-98-5077
ADDRESS :1633 HOLLY LANE, EAST WENATCHEE, WA 98802
-------------------------------------------------------------------
-------------------------------------------------------------------
A L E R T
-------------------------------------------------------------------
RAYMOND C CHANEY YOB: 1956
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED
ELISSA R CHANEY 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
-------------------------------------------------------------------
CHANEY, RAY 256-98-5077
REMARK: AVAILABLE AND CLEAR

CHANEY, ELISSA 155-42-9182

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
-------------------------------------------------------------------
J J CAPITAL ONE BANK USA NMIN 04/19 $30000 AS AGREED
414709****** REV 08/05 $1238 99 0 0 0
04/19 $25 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;

C J CITI MIN 04/19 $12000 AS AGREED

410039******9133 REV 11/16 $232 29 0 0 0
04/19 $25 XP/TU/EF
04/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;

B B ASSOCIATED CREDIT UNIO 04/19 $1077 AS AGREED

1050790099 INST 08/86 $0 99 0 0 0
05/94 $0 XP/TU
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

B B ASSOCIATED CREDIT UNIO 04/19 $14000 AS AGREED

433006******9071 REV 08/86 $0 99 0 0 0
09/17 $0 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
Page: 3/13
-------------------------------------------------------------------
APPLICANT:CHANEY, RAY
SSN :256-98-5077
ADDRESS :1633 HOLLY LANE, EAST WENATCHEE, WA 98802
-------------------------------------------------------------------
B J BANK OF AMERICA 04/19 $8000 AS AGREED
414734******6370 REV 09/15 $0 43 0 0 0
01/19 $0 XP/TU/EF
04/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

C C BANK OF AMERICA 04/19 $15000 AS AGREED

414734******1925 REV 04/16 $0 36 0 0 0
03/19 $0 XP/TU/EF
04/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

J J BANNER BANK 04/19 $155000 AS AGREED

41064037 MTG 07/16 $0 33 0 0 0
08/18 $75 XP/TU/EF
04/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: HOME EQUITY LINE OF CREDIT - REVOLVING TERMS;

C C MACYS/DSNB 04/19 $1500 AS AGREED

972632***** REV 02/81 $0 99 0 0 0
12/18 $0 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC--C-CCCCCCCCCCCCCCCCCCCC

C C SYNCB/BELK 04/19 $1024 AS AGREED

604583****** REV 08/93 $0 99 0 0 0
07/17 $0 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

-------------------------------------------------------------------
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
-------------------------------------------------------------------
C J AMEX 10/16 $25000 PAID
-34999******47753 REV 08/12 $0 50 0 0 0
09/16 $0 XP/TU/EF
10/16: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

B J AMEX 10/14 $2000 PAID

-34999******54673 REV 08/12 $0 26 0 0 0
09/14 $0 XP/TU/EF
10/14: -CCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;
Page: 4/13
-------------------------------------------------------------------
APPLICANT:CHANEY, RAY
SSN :256-98-5077
ADDRESS :1633 HOLLY LANE, EAST WENATCHEE, WA 98802
-------------------------------------------------------------------
B B AMEX DSNB 04/19 $500 INACTIVE
377481******538 REV 03/11 $0 82 0 0 0
04/11 $0 XP/TU/EF
04/19:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC----CCCC---CCCCCCCCCCCC
REMARK: INACTIVE ACCOUNT;

B B BANK OF AMERICA 02/15 $7500 PAID

431307******9248 REV 10/12 $0 30 0 0 0
12/13 $0 XP/TU/EF
02/15: -CCCCCCCCCCCCCCC----------CC-C
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; FLEXIBLE SPENDING
CREDIT CARD;

C C BANK OF AMERICA 03/15 $10000 PAID

431307******4966 REV 09/12 $0 30 0 0 0
01/14 $0 XP/TU/EF
03/15: -CCCCCCCCCCCCCCC-----------CCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; FLEXIBLE SPENDING
CREDIT CARD;

C C CAP1/BSTBY 07/09 $0 PAID

169601******83780 REV 04/03 $0 75 0 0 0
07/04 $0 EF
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

J J CAPITAL ONE, N.A. 060 02/10 $30000 PAID

568113027203 INST 06/08 $0 21 0 0 0
01/10 $0 XP/TU/EF
02/10: -CCCCCCCCCCCCCCCCCCCC

B J CBNA 02/13 $3830 PAID

504994****** REV 08/94 $0 99 0 0 0
07/05 $0 XP/EF
08/09:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

C C CBNA 02/13 $8440 PAID

512107****** REV 06/06 $0 69 0 0 0
07/06 $0 EF
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;
Page: 5/13
-------------------------------------------------------------------
APPLICANT:CHANEY, RAY
SSN :256-98-5077
ADDRESS :1633 HOLLY LANE, EAST WENATCHEE, WA 98802
-------------------------------------------------------------------
C C CHASE AUTO 048 11/14 $36788 PAID
11409317222008 AUTO 04/14 $0 8 0 0 0
11/14 $0 XP/TU/EF
11/14: -CCCCCCC

C C CHASE CARD 05/14 $9000 PAID

414740****** REV 03/11 $0 38 0 0 0
05/11 $0 XP/TU/EF
05/14: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;

J J CHASE MTG 360 09/18 $291200 PAID

4651219117190 MTG 05/15 $0 37 0 0 0
08/18 $0 XP/TU/EF
09/18: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: REAL ESTATE MORTGAGE; FIXED RATE;

J J CITIMORTGAGE INC 120 11/14 $78000 PAID

1122128307 MTG 09/10 $0 50 0 0 0
11/14 $0 XP/TU/EF
11/14: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST; FANNIE MAE ACCOUNT;

J J CITIMORTGAGE INC 180 10/10 $143200 PAID

9080143452 MTG 10/01 $0 99 0 0 0
09/10 $0 XP/TU/EF
10/10:
--CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-CCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST; FANNIE MAE ACCOUNT;

C C COMENITY BANK/PIER 1 07/18 $4000 PAID

778830******6436 REV 08/15 $0 36 0 0 0
09/15 $0 XP/TU/EF
07/18: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CREDIT GRANTOR'S REQUEST;

B J DISCOVER FIN SVCS LLC 11/17 $10900 PAID

601100****** REV 02/08 $0 99 0 0 0
12/11 $0 XP/TU/EF
11/17:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;
Page: 6/13
-------------------------------------------------------------------
APPLICANT:CHANEY, RAY
SSN :256-98-5077
ADDRESS :1633 HOLLY LANE, EAST WENATCHEE, WA 98802
-------------------------------------------------------------------
C J DISCOVER FIN SVCS LLC 10/17 $10500 PAID
601100****** REV 06/06 $0 99 0 0 0
06/11 $0 XP/TU/EF
10/17:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

B B DSNB MACYS 04/19 $100 INACTIVE

428151****** REV 03/11 $0 82 0 0 0
04/11 $0 XP/TU/EF
04/19:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC---CCCCC--CCCCCCCCCCCCC
REMARK: INACTIVE ACCOUNT;

C C FIRST ELECTRONIC BANK 04/10 $3500 PAID

504926****** REV 01/10 $0 3 0 0 0
--/-- $0 XP
04/10: -CC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

B B FORD MOTOR CREDIT COMP066 02/10 $34198 PAID

41220128 AUTO 08/06 $0 43 0 0 0
02/10 $0 XP/TU/EF
02/10: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

C C FRSTBANK 03/10 $3500 PAID

504926******8126 REV 01/10 $0 02 0 0 0
--/-- $0 EF
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

J J FST CIT BK 05/15 $43000 PAID

9060293432 MTG 04/99 $0 82 0 0 0
06/14 $- XP/TU/EF
05/15: -CCCCCCCCCCCCCCCCC
REMARK: CLOSED; HOME EQUITY LOAN; COLLATERAL: PFROM IRONSTONE
BANK;

B B GDYR/CBNA 02/13 $1500 PAID

603551******9216 REV 12/98 $0 99 0 0 0
05/07 $0 XP/EF
07/10:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;
Page: 7/13
-------------------------------------------------------------------
APPLICANT:CHANEY, RAY
SSN :256-98-5077
ADDRESS :1633 HOLLY LANE, EAST WENATCHEE, WA 98802
-------------------------------------------------------------------
J J IRONSTNBK 10/11 $43000 PAID
906029 REV 04/99 $0 99 0 0 0
11/10 $0 EF
REMARK: ACCOUNT TRANSFERRED OR SOLD;

C C JARED 09/10 $0 PAID

305295**** REV 09/03 $0 82 0 0 0
--/-- $0 TU/EF
REMARK: ACCOUNT CLOSED BY CONSUMER;

C C KOHLS/CAPONE 10/18 $1500 PAID

639305******9348 REV 04/01 $0 99 0 0 0
09/15 $0 XP/TU/EF
10/18:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CLOSED DUE TO INACTIVITY;

B B MACYS/DSNB 04/14 $100 PAID

972632*** REV 12/92 $0 99 0 0 0
--/-- $0 XP
04/14:
-CCCCCCCCC------------CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

C C MACYS/DSNB 09/15 $100 PAID

972632*** REV 12/95 $0 99 0 0 0
12/96 $0 XP/TU
09/15:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED DUE TO TRANSFER;

B B MACYSDSNB 03/18 $100 PAID

972632***** REV 12/92 $0 41 0 0 0
--/-- $0 XP/EF
02/18:
-CCCCCCCCCC-----------------------------------CCCCCCCCCC--------
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

B B PREFCUSTJEWL 02/12 $10600 PAID

577442******6838 REV 10/09 $0 28 0 0 0
04/10 $0 XP/TU/EF
02/12: -CCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;
Page: 8/13
-------------------------------------------------------------------
APPLICANT:CHANEY, RAY
SSN :256-98-5077
ADDRESS :1633 HOLLY LANE, EAST WENATCHEE, WA 98802
-------------------------------------------------------------------
B B SYNCB/BELK 07/15 $1200 PAID
905610****** REV 05/03 $0 99 0 0 0
--/-- $0 EF
REMARK: CHARGE;

B B SYNCB/JCP 04/17 $124 PAID

600889****** REV 12/99 $0 82 0 0 0
--/-- $0 XP/TU/EF
04/17:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC--------------C
REMARK: CLOSED;

C C SYNCB/JCP 12/15 $7500 PAID

546680****** REV 09/05 $0 99 0 0 0
03/06 $0 EF
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

C C SYNCB/NETWRK 09/16 $6000 INACTIVE

601917****** REV 11/05 $0 82 0 0 0
08/09 $0 XP/TU/EF
09/16:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: INACTIVE ACCOUNT;

C C SYNCB/TJXDC 06/18 $1024 INACTIVE

524366******8964 REV 12/15 $0 30 0 0 0
--/-- $0 XP/TU/EF
06/18: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: INACTIVE 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
-------------------------------------------------------------------
*** NO RECORD FOUND ***

-------------------------------------------------------------------
O T H E R C R E D I T H I S T O R Y
-------------------------------------------------------------------
*** NO RECORD FOUND ***

-------------------------------------------------------------------
P U B L I C R E C O R D S
-------------------------------------------------------------------
 *** NO RECORD FOUND ***
Page: 9/13
-------------------------------------------------------------------
APPLICANT:CHANEY, RAY
SSN :256-98-5077
ADDRESS :1633 HOLLY LANE, EAST WENATCHEE, WA 98802
-------------------------------------------------------------------

-------------------------------------------------------------------
I N Q U I R I E S ( L A S T 1 2 0 D A Y S )
-------------------------------------------------------------------
XP 05/02/19 CHASE MTG FINANCE
TU 05/02/19 CHASE MANHAT BANKING
EF 05/02/19 CREDCO/JPM MISC

-------------------------------------------------------------------
C R E D I T O R S
-------------------------------------------------------------------
- AFECU VISA [EF] 770-448-8200
6789 PEACHTREE INDUSTRIAL BLVD,ATLANTA, GA 30360
- 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 [TU] 800-243-6552
PO BOX 8218,MASON, OH 45040
- amex/dsnb [EF] 800-956-6229
,
- AMEXDSNB [XP] 800-659-6229
,
- ASSOCIATED CREDIT UNIO [XP/TU] 770-448-8200
6789 PEACHTREE INDUSTRIA,ATLANTA, GA 30360
- 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
- BANNER BANK [XP] 1-800-527-64
10 S 1ST AVE,WALLA WALLA, WA 99362
- BANNERBANK [TU] 800-272-9933
10 SOUTH FIRST STREET,WALLA WALLA, WA 99362
- CAP ONE NA [TU] 800-926-1000
PO BOX 30273,SALT LAKE CITY, UT 84103
- CAPITAL 1 BK [TU] 800-955-7070
11013 W BROAD ST,GLEN ALLEN VA 23060
- CAPITAL ONE [XP] 800-933-9100
7625 WISCONSIN AVE,BETHESDA, MD 20814
- CAPITAL ONE auto [XP] 800-955-7070
PO BOX 85520,RICHMOND VA 23285
- CAPITAL ONE BANK USA N [EF] 800-955-7070
,
- CAPITAL ONE N.A. [EF] 800-926-1000
,
- CBUSASEARS [XP/EF] 800-669-8488
13200 SMITH RD,CLEVELAND, OH 44130
- CHASE [XP/TU/EF] 800-336-6675
900 STEWART AVE,GARDEN CITY NY 11530
Page: 10/13
-------------------------------------------------------------------
APPLICANT:CHANEY, RAY
SSN :256-98-5077
ADDRESS :1633 HOLLY LANE, EAST WENATCHEE, WA 98802
-------------------------------------------------------------------
- CHASE AUTO [TU] 800-336-6675
P.O. BOX 901003 CREDIT BUREAU DISPUTE PROCESSG,FORT WORTH, TX
- CHASE HOME FINANCE [XP] 800-548-7912
PO BOX 509011 10790 RANCHO BERNARDO RD,SAN DIEGO, CA 92150
- CHASE MANHAT [TU] 614-217-1071
1111 POLARIS PARKW FLOOR 4J,COLUMBUS, OH 43240
- CHASE MTG [XP/TU] 800-848-9136
PO BOX 24696,COLUMBUS, OH 43224
- CITI [XP/TU] 855-378-6467
PO BOX 6190,SIOUX FALLS, SD 57117
- CITICORP [EF] 800-283-7918
15851 CLAYTON ROAD MS-30,BALLWIN MO 63011
- CITIMORTGAGE INC [XP/TU] 800-283-7918
15851 CLAYTON RD,BALDWIN, MO 63011
- COMENITY BANK/PIER 1 [XP/TU] 800-675-5685
PO BOX 182789,COLUMBUS, OH 43218
- Credit Plus [TU] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- DISCOVER FIN SVCS LLC [XP] 800-347-2683
PO BOX 15316,WILMINGTON, DE 19850
- DISCOVER FINANCIAL SERVI [TU] 800-347-2683
POB 15316,WILMINGTON, DE 19850
- DISCOVR CD [EF] 800-347-5342
PO BOX15316,WILMINGTON DE 19850
- FEDERAL ECU [TU] 770-448-8200
6789 PEACHTREE,ATLANTA, GA 30360
- FIRST CITIZENS [EF]
PO BOX 27131,RALEIGH NC 27611
- FIRST CITIZENS BANK & [XP] 888-323-4732
100 E TRYON RD,RALEIGH NC 27603
- FIRST ELECTRONIC BANK [XP] 801-572-4004
2150 S 1300 E STE 400,SALT LAKE CITY, UT 84106
- FMCC see notes [EF] 800-727-7000
,
- FORD CRED [XP] 800-727-7000
PO BOX BOX 542000,OMAHA NE 68154
- FORD MOTOR CREDIT NATL RECOVERY [MANUA 800-732-2264
,
- FRSTBANK [EF] 801-572-4004
11781 S. LONE PEAK PKWY #135,DRAPER, UT 84020
- FST CIT BK [TU] 919-716-8307
100 EAST TRYON,RALEIGH, NC 27626
- GECCCC/HH GREGG [XP] 937-534-6950
PO BOX 276,DAYTON OH 45401
- gecrb/belt [EF] 800-669-6550
,
- GEMB/BELK [TU] 800-669-6550
PO BOX 981400,EL PASO, TX 79998
- GEMB/HHGR [EF] 866-396-8254
PO BOX 276 MAIL CODE OH 3-4258 C/O CARDHOLDER OPER,DAYTON, OH
- GEMB/JC PENNEY DC [EF] 866-227-5213
PO BOX 981425,EL PASO TX 79998
- GEMB/JC PENNEYS [EF] 800-542-0800
,
Page: 11/13
-------------------------------------------------------------------
APPLICANT:CHANEY, RAY
SSN :256-98-5077
ADDRESS :1633 HOLLY LANE, EAST WENATCHEE, WA 98802
-------------------------------------------------------------------
- GOODYEAR TIRE/CBNA [XP] BYMAILONLY
PO BOX 6497,SIOUX FALLS, SD 57117
- HSBC/BSTBY [EF] 800-365-0292
1405 FOULK ROAD,WILMINGTON, DE 19808
- IRONSTNBK [EF] 866-423-4732
1725 INDIAN TRAIL,NORCROSS, GA 30093
- JARED [TU/EF] 800-668-5000
375 GHENT RD,AKRON, OH 44333
- 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
- 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
- MCYDSNB [XP] 800-956-6229
,
- PREFCUSTJEWL [TU] 800-231-5089
CSCL DISPUTE TEAM N8235-04M PO BOX 14517,DES MOINES, IA 50306
- SYNCB HOME [TU] 866-396-8254
C/O PO BOX 965036,ORLANDO, FL 32896
- SYNCB/BELK [XP] 800-669-6550
PO BOX 965028,ORLANDO, FL 32896
- SYNCB/JCP [TU] 866-227-5213
PO BOX 965007,ORLANDO, FL 32896
- SYNCB/TJX COS DC [XP] 800-982-6879
PO BOX 965005,ORLANDO, FL 32896
- SYNCB/TJXDC [TU] 800-926-6299
PO BOX 965015,ORLANDO, FL 32896
- WFFNB/PREFERRED CUSTOM [XP/EF] 800-635-5585
PO BOX 94498,LAS VEGAS, NV 89193

-------------------------------------------------------------------
T R A D E S U M M A R Y
-------------------------------------------------------------------
# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 5 0 0 0 0
AUTO 2 0 0 0 0
EDUCATION 0 0 0 0 0
OTHER INSTALLM 2 0 0 0 0
OPEN 0 0 0 0 0
REVOLVING 35 1470 81524 50 0
OTHER 0 0 0 0 0
TOTAL 44 1470 81524 50 0

SECURED DEBT 0 HIGH CREDIT 237601

UNSECURED DEBT 1470 REV CREDIT UTILIZATION 2%
OLDEST TRADE 02/81 TOTAL DEBT/HIGH CREDIT 1%
Page: 12/13
-------------------------------------------------------------------
APPLICANT:CHANEY, RAY
SSN :256-98-5077
ADDRESS :1633 HOLLY LANE, EAST WENATCHEE, WA 98802
-------------------------------------------------------------------
-------------------------------------------------------------------
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-31BC74A
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 48148906 and password AV-31BC74A to view the
report. For any inquiries regarding this report or services
provided by CREDIT PLUS 2 please contact us at (800) 258-3488.

-------------------------------------------------------------------
D I S C L A I M E R
-------------------------------------------------------------------

An asterisk (*) following the payment amount indicates the

repositories have no payment data and that the amount was
automatically calculated as a percentage of the account balance.

This is a report containing information supplied by the

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

TRANS UNION EQUIFAX EXPERIAN

PO BOX 1000 PO BOX 740256 PO BOX 2002
CHESTER,PA 19016 ATLANTA,GA 30374 ALLEN,TX 75013
800-916-8800 800-685-1111 888-397-3742
transunion.com/myoptions www.experian.com/reportaccess
www.equifax.com/fcra

-------------------------------------------------------------------
T R E N D S U M M A R Y
-------------------------------------------------------------------

*** END OF REPORT 9/8/2019 10:11:13 AM ***

Page: 13/13
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

CORNERSTONE HOME LENDING INC REPORT #: 48148906

1177 WEST LOOP S STE 200 REFERENCE #: 3690001266
HOUSTON, TX 77027
7136214663

RETURN SERVICE REQUESTED

RAY CHANEY
1633 HOLLY LANE
EAST WENATCHEE, WA 98802
=================================================================
YOUR CREDIT SCORE - 839
Source: EXPERIAN Date: 05/02/19
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 99 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* AMOUNT OWED ON ACCOUNTS IS TOO HIGH

=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
Page: 1/18
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
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

CORNERSTONE HOME LENDING INC REPORT #: 48148906

1177 WEST LOOP S STE 200 REFERENCE #: 3690001266
HOUSTON, TX 77027
7136214663

RETURN SERVICE REQUESTED

ELISSA CHANEY
1633 HOLLY LANE
EAST WENATCHEE, WA 98802
=================================================================
YOUR CREDIT SCORE - 839
Source: EXPERIAN Date: 05/02/19
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 99 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* AMOUNT OWED ON ACCOUNTS IS TOO HIGH

=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
Page: 4/18
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: 5/18
 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: 6/18
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

CORNERSTONE HOME LENDING INC REPORT #: 48148906

1177 WEST LOOP S STE 200 REFERENCE #: 3690001266
HOUSTON, TX 77027
7136214663

RETURN SERVICE REQUESTED

RAY CHANEY
1633 HOLLY LANE
EAST WENATCHEE, WA 98802
=================================================================
YOUR CREDIT SCORE - 809
Source: TRANS UNION Date: 05/02/19
Model: TRANSUNION/FICO CLASSIC (04)

=================================================================
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 309 to a high of 839.

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 92 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* LACK OF RECENT INSTALLMENT LOAN INFORMATION
* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

=================================================================
CHECKING YOUR CREDIT REPORT
Page: 7/18
-----------------------------------------------------------------
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: 8/18
 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: 9/18
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

CORNERSTONE HOME LENDING INC REPORT #: 48148906

1177 WEST LOOP S STE 200 REFERENCE #: 3690001266
HOUSTON, TX 77027
7136214663

RETURN SERVICE REQUESTED

ELISSA CHANEY
1633 HOLLY LANE
EAST WENATCHEE, WA 98802
=================================================================
YOUR CREDIT SCORE - 809
Source: TRANS UNION Date: 05/02/19
Model: TRANSUNION/FICO CLASSIC (04)

=================================================================
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 309 to a high of 839.

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 92 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* LACK OF RECENT INSTALLMENT LOAN INFORMATION
* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

=================================================================
CHECKING YOUR CREDIT REPORT
Page: 10/18
-----------------------------------------------------------------
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: 11/18
 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: 12/18
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

CORNERSTONE HOME LENDING INC REPORT #: 48148906

1177 WEST LOOP S STE 200 REFERENCE #: 3690001266
HOUSTON, TX 77027
7136214663

RETURN SERVICE REQUESTED

RAY CHANEY
1633 HOLLY LANE
EAST WENATCHEE, WA 98802
=================================================================
YOUR CREDIT SCORE - 810
Source: EQUIFAX Date: 05/02/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA

=================================================================
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 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 compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 95 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* LACK OF RECENT INSTALLMENT LOAN INFORMATION

=================================================================
CHECKING YOUR CREDIT REPORT
Page: 13/18
-----------------------------------------------------------------
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: 14/18
 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: 15/18
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

CORNERSTONE HOME LENDING INC REPORT #: 48148906

1177 WEST LOOP S STE 200 REFERENCE #: 3690001266
HOUSTON, TX 77027
7136214663

RETURN SERVICE REQUESTED

ELISSA CHANEY
1633 HOLLY LANE
EAST WENATCHEE, WA 98802
=================================================================
YOUR CREDIT SCORE - 806
Source: EQUIFAX Date: 05/02/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA

=================================================================
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 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 compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 89 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* LACK OF RECENT INSTALLMENT LOAN INFORMATION

=================================================================
CHECKING YOUR CREDIT REPORT
Page: 16/18
-----------------------------------------------------------------
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: 17/18
 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: 18/18
CORNERSTONE HOME LENDING INC
1177 WEST LOOP S STE 200
HOUSTON, TX 77027
7136214663

NOTICE TO THE HOME LOAN APPLICANT

CREDIT SCORE INFORMATION DISCLOSURE

CHANEY, RAY
1633 HOLLY LANE
EAST WENATCHEE, WA 98802

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 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
 5/2/2019.

Applicant : CHANEY, RAY

Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 810 Range: 334-818
Key Factors affecting the score:
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
- LACK OF RECENT INSTALLMENT LOAN INFORMATION

Applicant : CHANEY, RAY

Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 809 Range: 309-839
Key Factors affecting the score:
- LACK OF RECENT INSTALLMENT LOAN INFORMATION
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Applicant : CHANEY, RAY

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 839 Range: 300-850
Key Factors affecting the score:
- AMOUNT OWED ON ACCOUNTS IS TOO HIGH

Borrower Signature _________________________________________ Date

__________
Page: 2/2
CORNERSTONE HOME LENDING INC
1177 WEST LOOP S STE 200
HOUSTON, TX 77027
7136214663

NOTICE TO THE HOME LOAN APPLICANT

CREDIT SCORE INFORMATION DISCLOSURE

CHANEY, ELISSA
1633 HOLLY LANE
EAST WENATCHEE, WA 98802

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 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
 5/2/2019.

Applicant : CHANEY, ELISSA

Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 806 Range: 334-818
Key Factors affecting the score:
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
- LACK OF RECENT INSTALLMENT LOAN INFORMATION

Applicant : CHANEY, ELISSA

Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 809 Range: 309-839
Key Factors affecting the score:
- LACK OF RECENT INSTALLMENT LOAN INFORMATION
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Applicant : CHANEY, ELISSA

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 839 Range: 300-850
Key Factors affecting the score:
- AMOUNT OWED ON ACCOUNTS IS TOO HIGH

Borrower Signature _________________________________________ Date

__________
Page: 2/2