16560

PERSON NAME: GARRISON, DENISE ANN
PERSON SSN : 527-23-3551

FIRST NAME : GARRISON
LAST NAME : DENISE ANN
PERSON DOB : N/A
PERSON ADRESS: 16419 PRESTON BLOOM CT, CYPRESS, TX 77429
PERSON SCORE: 801
-------------------------------------------------------------------
APPLICANT:GARRISON, DENISE ANN CO-APP:
SSN :527-23-3551 CO-SSN:
ADDRESS :16419 PRESTON BLOOM CT, CYPRESS, TX 77429
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S O U R C E O F I N F O R M A T I O N
-------------------------------------------------------------------
1 - EXPERIAN
DENISE A GARRISON 527233551 DOB: N/A
DENISE B GARRISON 527233551 DOB: N/A
527-23-3551
31947 S WIGGINS ST, MAGNOLIA, TX 77355-7947 12/18 -
02/19
16419 PRESTON BLOOM CT, CYPRESS, TX 77429-5703 06/08
- 07/17
16102 GOLDEN SAGE LN, CYPRESS, TX 77429-1624 10/86 -
07/07
TAM// 01/17
TAM INTERNATIONAL//HOUSTON TX 09/96
2 - TRANSUNION
DENISE ANN GARRISON
GARRISON,DENISE,B
BURR,DENISE,A
DOB: 08/24/58
527-23-3551
31947 S WIGGINS ST, MAGNOLIA, TX 77355-7947 12/18
16419 PRESTON BLOOM CT, CYPRESS, TX 77429-5703 05/08
16102 GOLDEN SAGE LN, CYPRESS, TX 77429-1624 05/04
TAM INTERNATIONAL INC/OIL AND GAS INDUSTRY/
TAM INTL INC/ACCOUNTING/
3 - EQUIFAX
DENISE BURR GARRISON DOB: 08/24/58
DENISE A BURR
527-23-3551
31947 S WIGGINS ST, MAGNOLIA, TX 77355 01/19 - 05/19
16419 PRESTON BLOOM CT, CYPRESS, TX 77429 07/08 -
04/19
29619 BINEFIELD ST, SPRING, TX 77386 06/04 - 10/12
TAM/ACCOUNTING/
TAM INERNATI//
TANINTL//
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S C O R E M O D E L S
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DENISE BURR GARRISON - 527233551
EQUIFAX/FICO CLASSIC V5 FACTA 792
00008 - TOO MANY INQUIRIES LAST 12 MONTHS
00023 - NUMBER OF BANK OR NATIONAL REVOLVING ACCOUNTS WITH
BALANCES
00011 - AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
Page: 1/13
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APPLICANT:GARRISON, DENISE ANN
SSN :527-23-3551
-------------------------------------------------------------------
00033 - PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO
HIGH
DENISE ANN GARRISON - 527233551

TRANSUNION/FICO CLASSIC (04) 801
014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
003 - PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
FA - INQUIRIES IMPACTED THE CREDIT SCORE
DENISE A GARRISON - 527233551

EXPERIAN/FAIR, ISAAC (VER. 2) 786
01 - AMOUNT OWED ON ACCOUNTS IS TOO HIGH
12 - LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
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A L E R T
-------------------------------------------------------------------
DENISE A GARRISON YOB: 1958
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED
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T U I D V I S I O N A L E R T
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GARRISON, DENISE ANN 527-23-3551
REMARK: AVAILABLE AND CLEAR
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O P E N A C C O U N T S
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E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
-------------------------------------------------------------------
B B NISSAN MOTOR ACCEPTANC073 04/19 $23086 AS AGREED
102414981610001 AUTO 12/16 $14560 28 0 0 0
04/19 $361 XP/TU/EF
04/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B KOHLS/CAPONE MIN 04/19 $1500 AS AGREED

639305******8779 REV 11/05 $292 99 0 0 0
04/19 $27 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
Page: 2/13
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SSN :527-23-3551
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B B DISCOVER FIN SVCS LLC MIN 04/19 $5000 AS AGREED
601100****** REV 11/13 $195 65 0 0 0
03/19 $35 XP/TU/EF
04/19:
B B CY-FAIR FEDERAL CREDIT 04/19 $5000 AS AGREED

537988******9715 REV 09/14 $180 55 0 0 0
04/19 $25 XP/EF
04/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B CAPITAL ONE BANK USA NMIN 04/19 $10000 AS AGREED

414709****** REV 03/15 $96 49 0 0 0
03/19 $25 XP/TU/EF
04/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;
B B SYNCB/AMAZ MIN 05/19 $1400 AS AGREED

604578******2706 REV 03/14 $55 62 0 0 0
05/19 $27 XP/TU/EF
05/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CHARGE;
B B BANK OF AMERICA 04/19 $5000 AS AGREED

546632******3624 REV 02/10 $0 99 0 0 0
09/18 $0 XP/TU/EF
04/19:
T B CRDT FIRST 10/12 $2400 AS AGREED

579337*** REV 02/86 $0 82 0 0 0
09/12 $0 TU/EF
10/12: -C-----------------------------CCCCCC
A B SYNCB/CHEVRON 04/19 $2900 AS AGREED

706159****** REV 12/89 $0 99 0 0 0
04/19 $0 XP
04/19:
REMARK: AUTHORIZED USER;
B B SYNCB/JCP 04/19 $1900 AS AGREED

600889****** REV 12/12 $0 77 0 0 0
04/19 $0 XP/TU/EF
04/19:
Page: 3/13
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SSN :527-23-3551
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B B SYNCB/LOWES 04/19 $9500 AS AGREED
798192****** REV 04/05 $0 99 0 0 0
02/19 $0 XP/TU/EF
04/19:
B B THD/CBNA 04/19 $8000 AS AGREED

603532******4155 REV 08/12 $0 81 0 0 0
11/18 $0 XP/TU/EF
04/19:
-------------------------------------------------------------------
C L O S E D A C C O U N T S
-------------------------------------------------------------------
E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
-------------------------------------------------------------------
B B ASPIRE 06/11 $100 PAID
772674******1289 REV 03/05 $0 74 0 0 0
06/08 $0 EF
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;
B B BANK OF AMERICA 01/16 $3400 PAID

426428******3617 REV 08/12 $0 40 0 0 0
03/15 $0 XP/TU/EF
01/16: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-C
B B BARCLAYS BANK DELAWARE 12/16 $5900 PAID

000021***** REV 11/05 $0 99 0 0 0
07/16 $0 XP/TU/EF
12/16:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B BK OF AMER 360 10/12 $153944 PAID

192057429 MTG 05/08 $0 54 0 0 0
10/12 $0 XP/TU/EF
10/12: -CCCCCCCCCCCCCCCCCCCCCCCCCC-CCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FHA REAL ESTATE LOAN;
Page: 4/13
-------------------------------------------------------------------
SSN :527-23-3551
-------------------------------------------------------------------
B B CAP ONE 07/09 $8600 PAID
545800****** REV 11/02 $0 80 0 0 0
07/08 $0 EF
B B CAP ONE NA 10/14 $10000 PAID

134202*** REV 04/10 $0 55 0 0 0
10/14 $0 XP/TU/EF
10/14: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CHECK CREDIT OR LINE OF CREDIT;
B B CAPITAL ONE BANK USA N 06/10 $2500 PAID

412174****** REV 06/00 $0 99 0 0 0
04/10 $0 XP/TU/EF
06/10:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-CCCCCCCCCCCCCCCCCCCCCCCCCCC
B B CBNA 10/18 $900 PAID

601164******6527 REV 04/14 $0 53 0 0 0
01/15 $0 XP/TU/EF
10/18: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER;
B B CHASE CARD 08/13 $12000 PAID

512488******3758 REV 10/10 $0 34 0 0 0
10/12 $0 XP/TU/EF
08/13: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B CITI 03/18 $5000 PAID

412800****** REV 03/14 $0 48 0 0 0
01/16 $0 XP/TU/EF
REMARK: ACCOUNT CLOSED BY CONSUMER; FLEXIBLE SPENDING CREDIT
CARD;
B B CITI 02/19 $17900 PAID

542418****** REV 07/09 $0 82 0 0 0
09/17 $0 XP/TU/EF
02/19:
Page: 5/13
-------------------------------------------------------------------
SSN :527-23-3551
-------------------------------------------------------------------
B B CY FAIR CU 60 06/17 $11420 PAID
2220620001 INST 09/14 $0 32 0 0 0
05/17 $0 XP/TU/EF
06/17: -CCCCCCCCCCCCCCCCCCCCCCCCCC-CCCCC
REMARK: UNSECURED;
B B CY-FAIR FCU 04/19 $5000 PAID

446536******0340 REV 09/14 $0 54 0 0 0
08/18 $0 XP/TU/EF
REMARK: ACCOUNT CLOSED DUE TO TRANSFER;
B B CY-FAIR FCU 04/19 $5000 CRCDLOST

446536******9126 REV 09/14 $0 13 0 0 0
04/19 $0 TU/EF
04/19: -CCCCCCCCCCCCC
REMARK: CREDIT CARD STOLEN OR LOST;
B B DFS/WEBBK 01/14 $4000 PAID

687945******4163255 REV 03/07 $0 82 0 0 0
10/07 $0 XP/EF
02/12:
----------------------------------------------------CCCCCCCC
B B FIFTH THIRD BANK 066 07/15 $12679 PAID

872314299 AUTO 09/09 $0 71 0 0 0
07/15 $0 XP/TU/EF
07/15:
B B HYUNDAI CAPITAL AMERIC060 11/09 $12169 PAID

20060503198802 AUTO 05/06 $0 42 0 0 0
10/09 $0 XP/TU/EF
11/09: --CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B PNMAC 360 07/17 $145338 PAID

6188000080857 MTG 10/12 $0 53 0 0 0
06/17 $0 XP/TU/EF
07/17: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: REAL ESTATE MORTGAGE; FIXED RATE;
B B RESOURCE 1 42 08/13 $10237 PAID

1524490143 AUTO 05/10 $0 39 0 0 0
07/13 $0 XP/TU/EF
07/13: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-CCCCC
REMARK: FIXED RATE;
Page: 6/13
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SSN :527-23-3551
-------------------------------------------------------------------
B B STATE FARM BANK 360 11/18 $135306 PAID
3000097109326 MTG 06/17 $0 17 0 0 0
10/18 $0 XP/TU/EF
11/18: -CCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST;
B B STATE FARM BANK, F.S.B 02/18 $4000 PAID

470788** REV 06/15 $0 32 0 0 0
11/16 $0 XP/TU/EF
02/18: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B SYNCB/EMPIRE 09/16 $5500 PAID

601921****** REV 01/15 $0 20 0 0 0
--/-- $0 XP/TU/EF
09/16: -CCCCCCCCCCCCCCCCCCCC
B B SYNCB/FINGRF 10/16 $6000 INACTIVE

603461****** REV 08/08 $0 82 0 0 0
09/09 $0 XP/TU/EF
10/16:
REMARK: INACTIVE ACCOUNT;
B B SYNCB/FNGR 10/16 $6000 PAID

603461****** REV 09/07 $0 99 0 0 0
07/08 $0 XP/EF
B B SYNCB/JCP 02/18 $1900 CRCDLOST

600889****** REV 12/12 $0 62 0 0 0
08/14 $0 TU/EF
REMARK: CREDIT CARD STOLEN OR LOST;
J B SYNCB/JCP 04/17 $133 PAID

600889****** REV 02/92 $0 79 0 0 0
--/-- $0 EF
REMARK: CHARGE;
Page: 7/13
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SSN :527-23-3551
-------------------------------------------------------------------
B B US BANK 12/15 $10000 PAID
519313****** REV 01/11 $0 60 0 0 0
07/15 $0 XP/TU/EF
12/15:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B US BANK 12/15 $6000 PAID

414780****** REV 12/12 $0 36 0 0 0
09/15 $0 XP/TU/EF
12/15: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; FLEXIBLE SPENDING
CREDIT CARD;
B B VW CREDIT 63 05/10 $13607 PAID

846007486 AUTO 05/07 $0 35 0 0 0
04/10 $0 TU/EF
05/10: -CCCCCCCCCCCCCCCC-CCCCCCCCCCCCCCCCCC
REMARK: CLOSED;
B B VW CREDIT INC 060 01/17 $13650 PAID

888536146 AUTO 10/14 $0 26 0 0 0
01/17 $0 XP/TU/EF
01/17: -CCCCCCCCCCCCC--CCCCCCCCCCC
B B WELLS FARGO 08/13 $7000 PAID

407221******4683 REV 05/10 $0 39 0 0 0
05/11 $0 XP/TU/EF
08/13: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;
U B SYNCB/JCP 03/18 - CRCDLOST

600889423791 OTHE 02/92 - - - -
03/18 $- EF
03/18: -
REMARK: CHARGE; LOST/STOLEN;
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D E R O G A T O R Y A C C O U N T S
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*** NO RECORD FOUND ***
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C O L L E C T I O N A C C O U N T S
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Page: 8/13
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SSN :527-23-3551
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O T H E R C R E D I T H I S T O R Y
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P U B L I C R E C O R D S
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I N Q U I R I E S ( L A S T 1 2 0 D A Y S )
-------------------------------------------------------------------
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C R E D I T O R S
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- 5TH 3RD BK [TU] 800-972-3030
38 FOUNTAIN SQ PL,CINCINNATI, OH 45202
- bank of america [XP] 800-759-6262
,
- BANK OF AMERICA [EF] 800-759-6262
400 CHRISTIANA RD,NEWARK, DE 19713
- BANK OF AMERICA, N.A. [XP] 800-669-6607
400 COUNTRYWIDE WAY,SIMI VALLEY, CA 93065
- BARCLAYSBK [EF] p#302-622-89
1007 ORANGE STREET SUITE 1541 PO BOX 26182,WILMINGTON, DE 1980
- CAPITAL 1 BK [TU] 800-955-7070
11013 W BROAD ST,GLEN ALLEN VA 23060
- CAPITAL ONE auto [XP] 800-955-7070
PO BOX 85520,RICHMOND VA 23285
- CAPITAL ONE BANK USA N [EF] 800-955-7070
,
- CB&T [EF] 800-348-8783
PO BOX 723896,ATLANTA, GA 31139
- CBNA [XP/TU] 800-677-0232
PO BOX 6497,SIOUX FALLS, SD 57117
- CHASE CARD [TU] 800-432-3117
PO BOX 15298,WILMINGTON, DE 19850
- chase health advance [EF] 888-519-6444
,MESA, AZ 85208
- chase health advantage [XP] 888-519-6444
1250 S CLEARVIEW DR #100,MESA, AZ 85208
- CITI [XP/TU/EF] 800-950-5114
PO BOX 6241,SIOUX FALLS, SD 57117
- CITI CARDS CBSDNA [TU/EF] 800-843-0777
POB 6241,SIOUX FALLS, SD 57117
- CRDT FIRST [TU/EF] 216-362-5000
POB 81315,CLEVELAND, OH 44181
- Credit Plus [TU/EF] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- CYFAIR CU [EF] 281-890-7676
PO BOX 692003,HOUSTON, TX 77269
Page: 9/13
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SSN :527-23-3551
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- CY-FAIR FEDERAL CREDIT [XP/TU] 281-890-7676
9601 JONES RD STE 100,HOUSTON, TX 77065
- DELL FINANCIAL SERVI [EF] 877-577-3355
,
- DELL FINANCIAL SVCS/CI [XP] 800-283-2210
3500A WADLEY PL,AUSTIN, TX 78727
- 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
- DMCCB [EF] 800-843-4885
KIERLAND ONE,SCOTTSDALE AZ 85254
- FIFTH THIRD BANK [XP/EF] 800-972-3030
FIFTH THIRD CENTER,CINCINNATI OH 45263
- GE MONEY BANK/CHEVRON [XP] 800-243-8766
,
- GECRB/LOWBRC [MANUAL] 800-444-1408
,
- GEMB/EMPHS [EF] 866-396-8254
,
- GEMB/FINGR [EF] 866-396-8254
PO BOX 276 MAIL CODE OH3-4258 C/O CARDHOLDER OPERA,DAYTON, OH
- GEMB/JC PENNEYS [EF] 800-542-0800
,
- GEMB/LOWES [XP/EF] 800-444-1408
PO BOX 103065,ROSWELL GA 30076
- guild mortgage [EF]
450 AMERICAN ST,SIMI VALLEY CA 93065
- HYUNDAI FINC [TU] 800-523-4030
10550 TALBERT AV,FOUNTAIN VALLEY, CA 92708
- HYUNDAI MOTOR FINANCE [XP] 800-523-4030
10550 TALBERT AVE,FOUNTAIN VALLEY, CA 92708
- HYUNDAIMTR [EF] 714-965-3000
10550 TALBERT,FOUNTAIN VALLEY, CA 92628
- ING DIRECT [XP/TU] 866-509-3906
MARKET ST,WILMINGTON, DE
- INGHLDING [EF] 800-464-3473
1105 NORTH MARKET STREET 17TH FLOOR,WILMINGTON, DE 19801
- JUNIPER BANK [XP/TU] 888-232-0780
1007 N ORANGE ST,WILMINGTON, DE 19801
- KOHLS/CAP1 [EF] 800-564-5740
,
- kohls/capone [XP] 800-564-5740
,
- KOHLS/CAPONE [MANUAL] 800-564-5740
,
- 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
- NISSAN MOTOR [TU] 800-777-6116
POB 660366,DALLAS TX 75266
Page: 10/13
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SSN :527-23-3551
-------------------------------------------------------------------
- NISSAN MOTOR ACCEPTANC [XP/EF] 800-950-6622
PO BOX 660360,DALLAS TX 75266
- PENMACSVC [EF] p#866-586-92
,
- PENNYMAC LOAN SERVICES [XP] 866-586-9210
6101 CONDOR DR,MOORPARK, CA 93021
- RESOURCE ONE F.C.U. [EF] 214-565-5300
P.O. BOX 660077,DALLAS, TX 75266
- RESOURCE ONE FCU [XP/TU] 214-319-3100
PO BOX 660077,DALLAS, TX 75266
- ST FARM BK [TU] 877-734-2265
ATTN CREDIT REPORTING PO BOX 2313,BLOOMINGTON, IL 61702
- ST FRM BK [TU] p#877-734-22
3 STATE FARM PLAZA ATTN CUSTOMER CARE,BLOOMINGTON, IL 61791
- STATE FARM BANK, F.S.B [XP] 877-734-2265
1 STATE FARM PLAZA E-6,BLOOMINGTON, IL 61710
- STATEFRMBK [EF] p#877-734-22
,
- STFARMBNK [EF] 877-734-2265
CATRINA EIMER, 003722347 ONE STATE FARM PLAZA, A-,BLOOMINGTON
- SYNCB/AMAZON [XP/TU] 866-634-8379
PO BOX 965015,ORLANDO, FL 32896
- SYNCB/EMPIRE HOME SRVC [XP/TU] 866-396-8254
C/O PO BOX 965036,ORLANDO, FL 32896
- SYNCB/JCP [TU] 866-227-5213
PO BOX 965007,ORLANDO, FL 32896
- THD/CBSD [XP] 866-875-5488
PO BOX 9714 (home depot),GRAY TN 37615
- THD/CBUSA [EF] 800-388-4142
CCS GRAY OPS CENTER,GRAY TN 37615
- U.S. BANK [TU] 888-852-5786
601 2ND AVE SOUTH,MINNEAPOLIS, MN 55402
- US BANK [EF] 866-234-4750
CB DISPUTES PO BOX 108,ST LOUIS, MO 63116
- US BANK/NA ND [XP] 800-285-8585
4325 17TH AVE SW,FARGO, ND 58125
- VW CREDIT [TU/EF] 847-948-1934
2333 WAUKEGAN RD,DEERFIELD, IL 60015
- VW CREDIT INC [XP] 800-428-4034
1401 FRANKLIN BLVD,LIBERTYVILLE, IL 60048
- WELLS FARGO [TU] 800-642-4720
CREDIT BUREAU DISPUTE RESOLUTI PO BOX 14517,DES MOINES, IA 503
- WELLS FARGO BANK [XP] 800-642-4720
PO BOX 14517,DES MOINES, IA 50306
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T R A D E S U M M A R Y
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Page: 11/13
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SSN :527-23-3551
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# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 3 0 0 0 0
AUTO 6 14560 23086 361 0
EDUCATION 0 0 0 0 0
OTHER INSTALLM 1 0 0 0 0
OPEN 0 0 0 0 0
REVOLVING 33 818 52600 139 0
OTHER 1 0 0 0 0
TOTAL 44 15378 75686 500 0
SECURED DEBT 14560 HIGH CREDIT 75686

UNSECURED DEBT 818 REV CREDIT UTILIZATION 2%
OLDEST TRADE 02/86 TOTAL DEBT/HIGH CREDIT 20%
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D E R O G A T O R Y S U M M A R Y
-------------------------------------------------------------------
CHARGE OFFS 0 30 DAYS 0 INQUIRIES 0
COLLECTIONS 0 60 DAYS 0 DISPUTES 0
BANKRUPTCY 0 90 DAYS 0
PUBLIC RECORDS 0 OTHER 0
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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-38649C3
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 48253114 and password AV-38649C3 to view the
report. For any inquiries regarding this report or services
provided by CREDIT PLUS 2 please contact us at (800) 258-3488.
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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
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SSN :527-23-3551
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T R E N D S U M M A R Y
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*** END OF REPORT 5/13/2019 10:56:29 AM ***

Page: 13/13
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 315 REPORT #: 48253114

1450 LAKE ROBBINS DR STE 360 REFERENCE #: 3150007422
SPRING, TX 77380
2813677005
RETURN SERVICE REQUESTED
DENISE ANN GARRISON

16419 PRESTON BLOOM CT
CYPRESS, TX 77429
=================================================================
YOUR CREDIT SCORE - 786
Source: EXPERIAN Date: 05/09/19
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 71 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TOO MANY INQUIRIES LAST 12 MONTHS
* AMOUNT OWED ON ACCOUNTS IS TOO HIGH
* LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
=================================================================
Page: 1/9
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
What if there are mistakes in your credit report?
-----------------------------------------------------------------
You have a right to dispute any inaccurate information in your
credit report. If you find mistakes on your credit report,
contact the consumer reporting agency.
It is a good idea to check your credit report to make sure the

information it contains is accurate.
-----------------------------------------------------------------
How can you obtain a copy of your credit report?
-----------------------------------------------------------------
Under federal law, you have the right to obtain a free copy of
your credit report from each of the nationwide consumer reporting
agencies once a year.
To order your free annual credit report:
* BY TELEPHONE: Call toll-free: 1-877-322-8228
* ON THE WEB: Visit www.annualcreditreport.com
* BY MAIL: Mail your completed Annual Credit Report Request Form

(which you can obtain from the Federal Trade Commission's web
site at
http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to:
Annual Credit Report Request Service

P.O. Box 105281
Atlanta, GA 30348-5281
-----------------------------------------------------------------
How can you get more information?
-----------------------------------------------------------------
For more information about credit reports and your rights under
Federal law, visit the Consumer Financial Protection Bureau's web
site at www.consumerfinance.gov/learnmore.
Page: 2/9
NOTICE TO THE HOME LOAN APPLICANT
In connection with your application for a home loan, the lender

must disclose to you the score that a consumer reporting agency
distributed to users and the lender used in connection with your
home loan, and the key factors affecting your credit scores.
The credit score is a computer generated summary calculated at

the time of the request and based on information that a consumer
reporting agency or lender has on file. The scores are based on
data about your credit history and payment patterns. Credit
scores are important because they are used to assist the lender
in determining whether you will obtain a loan. They may also be
used to determine what interest rate you may be offered on the
mortgage. Credit scores can change over time, depending on your
conduct, how your credit history and payment patterns change, and
how credit scoring technologies change.
Because the score is based on information in your credit history,

it is very important that you review the credit-related
information that is being furnished to make sure it is accurate.
Credit records may vary from one company to another.
If you have questions about your credit score or the credit

information that is furnished to you, contact the consumer
reporting agency at the address and telephone number provided
with this notice, or contact the lender, if the lender developed
or generated the credit score. The consumer reporting agency
plays no part in the decision to take any action on the loan
application and is unable to provide you with specific reasons
for the decision on a loan application.
If you have questions concerning the terms of the loan, contact

the lender.
------------------------------------------------------------------
-----------------
Signature
Date
Page: 3/9

SPRING, TX 77380
2813677005
DENISE ANN GARRISON

CYPRESS, TX 77429
=================================================================
Source: TRANS UNION Date: 05/09/19
Model: TRANSUNION/FICO CLASSIC (04)
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------
your credit report.


history changes.
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
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* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
* PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
* INQUIRIES IMPACTED THE CREDIT SCORE
Page: 4/9
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------

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

site at

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





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

SPRING, TX 77380
2813677005
DENISE ANN GARRISON

CYPRESS, TX 77429
=================================================================
Source: EQUIFAX Date: 05/09/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------
your credit report.


history changes.
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
* NUMBER OF BANK OR NATIONAL REVOLVING ACCOUNTS WITH BALANCES
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
Page: 7/9
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------

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

site at

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





the lender.
------------------------------------------------------------------
-----------------
Signature
Date
Page: 9/9
CORNERSTONE HOME LENDING INC - 315
1450 LAKE ROBBINS DR STE 360
SPRING, TX 77380
2813677005

CREDIT SCORE INFORMATION DISCLOSURE
GARRISON, DENISE ANN

CYPRESS, TX 77429

The credit score is a computer generated summary calculated at the

time of the request and based on information that a consumer
data about your credit history and payment patterns. Credit scores
are important because they are used to assist the lender in
determining whether you will obtain a loan. They may also be used
to determine what interest rate you may be offered on the mortgage.
Credit scores can change over time, depending on your conduct, how
your credit history and payment patterns change, and how credit
scoring technologies change.

it is very important that you review the credit-related information
that is being furnished to make sure it is accurate. Credit records
may vary from one company to another.

reporting agency at the address and telephone number provided with
this notice, or contact the lender, if the lender developed or
generated the credit score. The consumer reporting agency plays no
part in the decision to take any action on the loan application and
is unable to provide you with specific reasons for the decision on
a loan application.
If you have questions regarding the terms of the loan, contact the
lender.
Your credit scores were provided by the following credit reporting

agencies:
TRANSUNION EQUIFAX EXPERIAN

PO BOX 2000 PO BOX 740241 PO BOX 2002
CHESTER, PA 19016 ATLANTA, GA 30374 ALLEN, TX 75013
800-916-8800 800-685-1111 888-397-3742
transunion.com/myoptions www.experian.com/reportaccess
www.equifax.com/fcra
The following information about your credit scores was created on
Page: 1/2
5/9/2019.
Applicant : GARRISON, DENISE ANN

Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 792 Range: 334-818
Key Factors affecting the score:
- TOO MANY INQUIRIES LAST 12 MONTHS
- NUMBER OF BANK OR NATIONAL REVOLVING ACCOUNTS WITH BALANCES
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
- PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH

Name of Score: TRANSUNION/FICO CLASSIC (04)
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
- PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
- INQUIRIES IMPACTED THE CREDIT SCORE

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
- AMOUNT OWED ON ACCOUNTS IS TOO HIGH
- LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
Borrower Signature _________________________________________ Date

__________
Page: 2/2

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PERSON NAME: GARRISON, DENISE ANN

PERSON SSN : 527-23-3551

DENISE ANN GARRISON - 527233551

DENISE A GARRISON - 527233551

B B KOHLS/CAPONE MIN 04/19 $1500 AS AGREED

B B CY-FAIR FEDERAL CREDIT 04/19 $5000 AS AGREED

B B CAPITAL ONE BANK USA NMIN 04/19 $10000 AS AGREED

B B SYNCB/AMAZ MIN 05/19 $1400 AS AGREED

B B BANK OF AMERICA 04/19 $5000 AS AGREED

T B CRDT FIRST 10/12 $2400 AS AGREED

A B SYNCB/CHEVRON 04/19 $2900 AS AGREED

B B SYNCB/JCP 04/19 $1900 AS AGREED

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

B B BANK OF AMERICA 01/16 $3400 PAID

B B BARCLAYS BANK DELAWARE 12/16 $5900 PAID

B B BK OF AMER 360 10/12 $153944 PAID

B B CAP ONE NA 10/14 $10000 PAID

B B CAPITAL ONE BANK USA N 06/10 $2500 PAID

B B CBNA 10/18 $900 PAID

B B CHASE CARD 08/13 $12000 PAID

B B CITI 03/18 $5000 PAID

B B CITI 02/19 $17900 PAID

B B CY-FAIR FCU 04/19 $5000 PAID

B B CY-FAIR FCU 04/19 $5000 CRCDLOST

B B DFS/WEBBK 01/14 $4000 PAID

B B FIFTH THIRD BANK 066 07/15 $12679 PAID

B B HYUNDAI CAPITAL AMERIC060 11/09 $12169 PAID

B B PNMAC 360 07/17 $145338 PAID

B B RESOURCE 1 42 08/13 $10237 PAID

B B STATE FARM BANK, F.S.B 02/18 $4000 PAID

B B SYNCB/EMPIRE 09/16 $5500 PAID

B B SYNCB/FINGRF 10/16 $6000 INACTIVE

B B SYNCB/FNGR 10/16 $6000 PAID

B B SYNCB/JCP 02/18 $1900 CRCDLOST

J B SYNCB/JCP 04/17 $133 PAID

B B US BANK 12/15 $6000 PAID

B B VW CREDIT 63 05/10 $13607 PAID

B B VW CREDIT INC 060 01/17 $13650 PAID

B B WELLS FARGO 08/13 $7000 PAID

U B SYNCB/JCP 03/18 - CRCDLOST

SECURED DEBT 14560 HIGH CREDIT 75686

An asterisk (*) following the payment amount indicates the

This is a report containing information supplied by the

TRANS UNION EQUIFAX EXPERIAN

*** END OF REPORT 5/13/2019 10:56:29 AM ***

CORNERSTONE HOME LENDING INC - 315 REPORT #: 48253114

RETURN SERVICE REQUESTED

DENISE ANN GARRISON

Your credit report is a record of your credit history. It

Your credit score can change, depending on how your credit

It is a good idea to check your credit report to make sure the

To order your free annual credit report:

* BY TELEPHONE: Call toll-free: 1-877-322-8228

* ON THE WEB: Visit www.annualcreditreport.com

* BY MAIL: Mail your completed Annual Credit Report Request Form

Annual Credit Report Request Service

In connection with your application for a home loan, the lender

The credit score is a computer generated summary calculated at

Because the score is based on information in your credit history,

If you have questions about your credit score or the credit

If you have questions concerning the terms of the loan, contact

CORNERSTONE HOME LENDING INC - 315 REPORT #: 48253114

RETURN SERVICE REQUESTED

DENISE ANN GARRISON

* END OF REPORT 5/13/2019 10:56:29 AM *