ࡱ> MOL@ s$bjbjFF (,,   z z z z U f 4 >@@@@@@$Rd-U U dz z :z z >>:,z `XP 8" "0 mZm$m$   dd   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. The following company provided the credit score used in making a decision for your loan request. The company that provided the credit score also provided the credit file that your score is based upon. Experian 701 Experian Parkway PO Box 2002 Allen, TX 75013-0036 Toll Free 888-397-3742 Credit Score Disclosure Your application for a loan secured by your home was recently received. In connection with your loan request, the loan officer obtained a consumer credit report and credit score on all borrowers associated with your loan request. This credit score may be different than other scores you have obtained in the past for any of the following reasons: Credit scores represent a snapshot in time. As the information in your credit report changes, those changes will affect your score. The models used for calculating credit scores may be different with each credit reporting agency or the lender may use an independently developed model. The information in the credit report may be different because not all financial institutions report their credit experiences to the same credit reporting agencies, some institutions do not report their credit experiences at all. The model used to calculate your credit score is provided by the credit reporting agency, scores range from the mid 300s to the mid 800s. Scores with higher numerical value are considered to reflect better credit performance. The credit score and credit report used in connection with your home loan application was provided by: Experian 701 Experian Parkway PO Box 2002 Allen, TX 75013-0036 Toll Free 888-397-3742 Name of Applicant:  FORMTEXT       The credit report used in conjunction with your loan request was obtained on:  FORMTEXT       The credit score is:  FORMTEXT     The following factors adversely affected your credit score:  FORMDROPDOWN   FORMDROPDOWN   FORMDROPDOWN"#    $$$$$$$$$$$%$&$'$jhAUjhAUjhAUUj hAUjnhAUjhAUjthAUjhAUmHnHujhAUjhAUhAhoj hA5CJ 2"#" # ]^wx$$$$$$$$$$$$$$$$$$$$$$$$  ^`$a$gdoj$^`a$gdojs$OmST9: "$$$$$$$$$$$$$$$$$$$$$$$$$$$$$a$ & F$:$^$p$q$r$s$$$$$$$$$$ & F   FORMDROPDOWN   FORMDROPDOWN   FORMDROPDOWN   FORMDROPDOWN   FORMDROPDOWN   FORMDROPDOWN  '$($)$7$8$9$:$;$I$J$K$L$M$[$\$]$^$_$m$n$o$s$j3hAUjz/hAUjZ'hAUj2#hAUjhAUhA/ =!"#$%tDText3DText2M/d/yyyyvDText10Df Dropdown1 01 Current balances on accounts$02 Delinquency reported on accounts#03 Too few banks revolving acounts$04 Too many bank revolving accounts$05 Number of accounts with balances&06 Number of finance company accounts-07 Unable to evaluate recent payment history109 Number of accounts opened in the last 12 mos.210 Prop. of bal to high credit revolving accounts*11 Current balances on revolving accounts'12 Length of revolving account history113 Length or unknown time since acct. delinquent/14 Length of time accts. have been established/15 Insuf. or lack of bank revolving acct. info216 Insuff. or lack of revolving acct. information/17 No recent (non-mortgage) acct. balance info!18 Number of accounts delinquent$19 Too few accounts rated "current"/20 Length of time legal/coll. item filed/rept.21 Amount past due to accounts224 Lack of recently rept. bal. on open/rev. acct &25 Length of installment loan history/30 Length of time since most recent acct. est.*32 No recent installment loan information (Df Dropdown6 26 Number of revolving accounts"28 Number of accounts established&31 Too few accts with recent pmt info&34 Amount owed on delinquent accounts136 Length of time open install loans established037 # finance accts relative to history of accts238 Serious delq and public record/coll item filed39 Serious delinquency140 Derogatory public record/collection item filed-98 Lack of recent info on/lack of auto loans199 Lack of recent info on/ lack of finance accts vDf 01 Current balances on accounts$02 Delinquency reported on accounts#03 Too few banks revolving acounts$04 Too many bank revolving accounts$05 Number of accounts with balances&06 Number of finance company accounts-07 Unable to evaluate recent payment history109 Number of accounts opened in the last 12 mos.210 Prop. of bal to high credit revolving accounts*11 Current balances on revolving accounts'12 Length of revolving account history113 Length or unknown time since acct. delinquent/14 Length of time accts. have been established/15 Insuf. or lack of bank revolving acct. info216 Insuff. or lack of revolving acct. information/17 No recent (non-mortgage) acct. balance info!18 Number of accounts delinquent$19 Too few accounts rated "current"/20 Length of time legal/coll. item filed/rept.21 Amount past due to accounts224 Lack of recently rept. bal. on open/rev. acct &25 Length of installment loan history/30 Length of time since most recent acct. est.*32 No recent installment loan information (Df Dropdown6 26 Number of revolving accounts"28 Number of accounts established&31 Too few accts with recent pmt info&34 Amount owed on delinquent accounts136 Length of time open install loans established037 # finance accts relative to history of accts238 Serious delq and public record/coll item filed39 Serious delinquency140 Derogatory public record/collection item filed-98 Lack of recent info on/lack of auto loans199 Lack of recent info on/ lack of finance accts vDf 01 Current balances on accounts$02 Delinquency reported on accounts#03 Too few banks revolving acounts$04 Too many bank revolving accounts$05 Number of accounts with balances&06 Number of finance company accounts-07 Unable to evaluate recent payment history109 Number of accounts opened in the last 12 mos.210 Prop. of bal to high credit revolving accounts*11 Current balances on revolving accounts'12 Length of revolving account history113 Length or unknown time since acct. delinquent/14 Length of time accts. have been established/15 Insuf. or lack of bank revolving acct. info216 Insuff. or lack of revolving acct. information/17 No recent (non-mortgage) acct. balance info!18 Number of accounts delinquent$19 Too few accounts rated "current"/20 Length of time legal/coll. item filed/rept.21 Amount past due to accounts224 Lack of recently rept. bal. on open/rev. acct &25 Length of installment loan history/30 Length of time since most recent acct. est.*32 No recent installment loan information (Df Dropdown6 26 Number of revolving accounts"28 Number of accounts established&31 Too few accts with recent pmt info&34 Amount owed on delinquent accounts136 Length of time open install loans established037 # finance accts relative to history of accts238 Serious delq and public record/coll item filed39 Serious delinquency140 Derogatory public record/collection item filed-98 Lack of recent info on/lack of auto loans199 Lack of recent info on/ lack of finance accts Df 01 Current balances on accounts$02 Delinquency reported on accounts#03 Too few banks revolving acounts$04 Too many bank revolving accounts$05 Number of accounts with balances&06 Number of finance company accounts-07 Unable to evaluate recent payment history109 Number of accounts opened in the last 12 mos.210 Prop. of bal to high credit revolving accounts*11 Current balances on revolving accounts'12 Length of revolving account history113 Length or unknown time since acct. delinquent/14 Length of time accts. have been established/15 Insuf. or lack of bank revolving acct. info216 Insuff. or lack of revolving acct. information/17 No recent (non-mortgage) acct. balance info!18 Number of accounts delinquent$19 Too few accounts rated "current"/20 Length of time legal/coll. item filed/rept.21 Amount past due to accounts224 Lack of recently rept. bal. on open/rev. acct &25 Length of installment loan history/30 Length of time since most recent acct. est. lDf 26 Number of revolving accounts"28 Number of accounts established&31 Too few accts with recent pmt info&34 Amount owed on delinquent accounts136 Length of time open install loans established037 # 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