25137
25137
2 - TRANSUNION
CAROL J NICHOLS
DOB: 08/11/59
440-68-7167
1405 OAK TREE DR, EDMOND, OK 73025-2615 09/17
117 RR 2 BOX 117, BEAVER, OK 73932-9676 05/12
302 AVENUE R, BEAVER, OK 73932-3469 07/05
SELF/SELF/
RETIRED/RETIRED/ 09/89
3 - EQUIFAX
CAROL NICHOLS DOB: 08/11/59
440-68-7167
1405 OAK TREE DR, EDMOND, OK 73025 12/17 - 04/19
RR 2 BOX 117, BEAVER, OK 73932 05/12 - 04/19
PO BOX 171, FORGAN, OK 73938 06/17
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S C O R E M O D E L S
-------------------------------------------------------------------
CAROL NICHOLS - 440687167
EQUIFAX/FICO CLASSIC V5 FACTA 791
00008 - TOO MANY INQUIRIES LAST 12 MONTHS
00011 - AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
00032 - LACK OF RECENT INSTALLMENT LOAN INFORMATION
-------------------------------------------------------------------
A L E R T
-------------------------------------------------------------------
CAROL J NICHOLS YOB: 1959
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED
ADDRESS DISCREPANCY: THERE IS A SUBSTANTIAL DIFFERENCE BETWEEN
THE ADDRESS SUBMITTED IN THE INQUIRY AND THE ADDRESS(ES) ON
FILE
-------------------------------------------------------------------
T U I D V I S I O N A L E R T
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NICHOLS, CAROL JEAN 440-68-7167
REMARK: AVAILABLE AND CLEAR
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P U B L I C R E C O R D S
-------------------------------------------------------------------
*** NO RECORD FOUND ***
-------------------------------------------------------------------
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 B FIRST SECURITY BANK 264 04/19 $900000 AS AGREED
65731970000064327 MTG 07/11 $533789 93 0 0 0
03/19 $4712 XP
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-C---CCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST;
-------------------------------------------------------------------
C L O S E D A C C O U N T S
-------------------------------------------------------------------
E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
-------------------------------------------------------------------
B B AMEX DSNB 04/19 $1000 PAID
377481******092 REV 06/08 $0 82 0 0 0
01/16 $0 XP/TU/EF
04/19:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC---CCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;
Page: 3/9
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APPLICANT:NICHOLS, CAROL JEAN
SSN :440-68-7167
ADDRESS :3924 167TH TER, OKLAHOMA CITY, OK 73012*
-------------------------------------------------------------------
B B CAP1/CABEL 03/11 $7300 PAID
430023******4921 REV 12/00 $0 99 0 0 0
02/09 $0 XP/EF
01/11:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;
-------------------------------------------------------------------
D E R O G A T O R Y 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 B FIRST SECURITY BANK 020 04/19 $1.275M CUR WAS 60
65731970000070493 INST 08/16 $1.275M 33 2 1 0
03/19 $9067 XP
04/19: CCCCCCCCCCCC21CC1CCCCCCCCCCCCCCCC
Late Dates: 4/18-60, 3/18-30, 12/17-30
REMARK: SECURED LOAN;
-------------------------------------------------------------------
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 ***
Page: 6/9
-------------------------------------------------------------------
APPLICANT:NICHOLS, CAROL JEAN
SSN :440-68-7167
ADDRESS :3924 167TH TER, OKLAHOMA CITY, OK 73012*
-------------------------------------------------------------------
-------------------------------------------------------------------
I N Q U I R I E S ( L A S T 1 2 0 D A Y S )
-------------------------------------------------------------------
EF 04/01/19 ATTCIDLS UTILITIES/FUEL
XP 02/05/19 CBCINNOVIS MISC
-------------------------------------------------------------------
C R E D I T O R S
-------------------------------------------------------------------
- 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
,
- AT&T SERVICES, INC.-LS [EF] (800)288-202
17330 PRESTON RD SUITE 100A,DALLAS ,TX,75252
- BANANA REPUBLIC/MCCBG [XP] 888-277-8953
PO BOX 29116,SHAWNEE MISSION KS 66201
- CAP1/SAKS [XP/TU] 800-221-8340
3455 HIGHWAY 80 W,JACKSON, MS 39209
- CBCINNOVIS [XP] 877-237-8317
PO BOX 1667,PITTSBURGH, PA 15230
- CBNA/SEARS [XP] 800-669-8488
13200 SMITH RD,CLEVELAND, OH 44130
- CBUSASEARS [EF] 800-669-8488
13200 SMITH ROAD,CLEVELAND, OH 44130
- CITI/CBNA [XP] BYMAILONLY
701 E 60TH ST N,SIOUX FALLS, SD 57104
- COMENITY BANK/ANNTYLR [XP/EF] 866-730-7902
PO BOX 182273,COLUMBUS, OH 43218
- COMENITY BANK/ANTYLRMC [XP/TU] 888-292-5707
PO BOX 182789,COLUMBUS, OH 43218
- COMENITY CAPITAL/JJILL [XP] 800-329-9713
995 W 122ND AVE,WESTMINSTER, CO 80234
- Credit Plus [TU/EF] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- FIRST SECURITY BANK [XP] ( ) -
1135 COLLEGE DR,GARDEN CITY KS 67846
- FRAZER BANK [XP] 580-482-7700
PO BOX 637,ALTUS OK 73522
- GECRB/BANANA [MANUAL] 800-234-7455
,
- GEMB/AMERICAN EAGLE [EF] 800-843-0875
,
- GEMB/BANANA REPUBLIC [EF] 800-234-7455
P.O. BOX 103065 C11G,ROSWELL, GA 30076
- GEMB/ETHAN [EF] 866-396-8254
PO BOX 276 MAIL CODE OH3-4258 C/O CARDHOLDER OPERA,DAYTON, OH
- MCCBG/MERV [EF] 800-480-5014
RETAILERS NATL BANK MERV,MINNEAPOLIS MN 55440
Page: 7/9
-------------------------------------------------------------------
APPLICANT:NICHOLS, CAROL JEAN
SSN :440-68-7167
ADDRESS :3924 167TH TER, OKLAHOMA CITY, OK 73012*
-------------------------------------------------------------------
- MERCEDES BENZ CREDIT [XP/EF] 800-984-4455
PO BOX 685,WESTLAKE TX 76262
- MERCEDES-BEN [TU] 800-984-4455
P.O. BOX 685,ROANOKE TX 76262
- SECURITY BANKCARD CTR [XP/TU] BY MAIL
PO BOX 6139,NORMAN, OK 73070
- SECURITY NTL BK CRED [EF]
200 E. MAIN STREET MAIN BRANCH,NORMAN, OK 73070
- SYNCB/GAPDC [XP/TU] 866-450-4467
PO BOX 965005,ORLANDO, FL 32896
- VON MAUR [TU/EF] 800-458-0396
6565 BRADY,DAVENPORT IA 52806
- WF/DILLARD [XP] 877-302-6157
PO BOX 14517,DES MOINES, IA 50306
- WFB-NE [EF] 800-552-7963
PO BOX 82608,LINCOLN, NE 68521
- WFNNB/EDDIE BAUER-TA [EF] 866-691-0053
PO BOX 659705,COLUMBUS, OH 43218
- WFNNB/JJILL [MANUAL] 800-329-9713
,
- WORLDS FOREMOST BANK N [XP] 800-850-8402
4800 NW 1ST ST STE 300,LINCOLN, NE 68521
- ZALE/CBUSA NA [EF] 800-586-6923
PO BOX 9714 ATTN;: AGENCY SUPPORT,GRAY, TN 37615
-------------------------------------------------------------------
T R A D E S U M M A R Y
-------------------------------------------------------------------
# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 5 787257 1152472 5957 0
AUTO 1 0 0 0 0
EDUCATION 0 0 0 0 0
OTHER INSTALLM 2 1274900 1275100 9067 0
OPEN 1 0 17378 0 0
REVOLVING 18 962 25500 182 0
OTHER 0 0 0 0 0
TOTAL 27 2063119 2470450 15206 0
-------------------------------------------------------------------
D E R O G A T O R Y S U M M A R Y
-------------------------------------------------------------------
CHARGE OFFS 0 30 DAYS 1 INQUIRIES 2
COLLECTIONS 0 60 DAYS 1 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-4F3AEF
To verify the authenticity of this credit report, please visit
Page: 8/9
-------------------------------------------------------------------
APPLICANT:NICHOLS, CAROL JEAN
SSN :440-68-7167
ADDRESS :3924 167TH TER, OKLAHOMA CITY, OK 73012*
-------------------------------------------------------------------
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 48117928 and password AV-4F3AEF 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
-------------------------------------------------------------------
-------------------------------------------------------------------
T R E N D S U M M A R Y
-------------------------------------------------------------------
=================================================================
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.
-----------------------------------------------------------------
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 57 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* SERIOUS DELINQUENCY
* TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
* TOO MANY INQUIRIES LAST 12 MONTHS
=================================================================
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.
-----------------------------------------------------------------
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.
-----------------------------------------------------------------
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
------------------------------------------------------------------
-----------------
Signature
Date
Page: 3/9
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
=================================================================
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.
-----------------------------------------------------------------
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 91 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* LACK OF RECENT INSTALLMENT LOAN INFORMATION
* TOO MANY ACCOUNTS WITH BALANCES
* PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
Page: 4/9
* INQUIRIES IMPACTED THE CREDIT SCORE
=================================================================
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.
-----------------------------------------------------------------
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.
-----------------------------------------------------------------
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: 5/9
NOTICE TO THE HOME LOAN APPLICANT
------------------------------------------------------------------
-----------------
Signature
Date
Page: 6/9
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
=================================================================
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.
-----------------------------------------------------------------
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 77 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TOO MANY INQUIRIES LAST 12 MONTHS
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* LACK OF RECENT INSTALLMENT LOAN INFORMATION
=================================================================
Page: 7/9
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.
-----------------------------------------------------------------
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.
-----------------------------------------------------------------
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: 8/9
NOTICE TO THE HOME LOAN APPLICANT
------------------------------------------------------------------
-----------------
Signature
Date
Page: 9/9
CORNERSTONE HOME LENDING INC - 350
4801 GAILLARDIA PKWY STE 325
OKLAHOMA CITY, OK 73142
4054455445
If you have questions regarding the terms of the loan, contact the
lender.