PERSON NAME: NICHOLS, CAROL JEAN

PERSON SSN : 840-68-7167

FIRST NAME : NICHOLS
LAST NAME : CAROL JEAN
PERSON DOB : 08/11/59
PERSON ADRESS: 3924 167TH TER, OKLAHOMA CITY, OK 73012*
PERSON SCORE: 808
-------------------------------------------------------------------
APPLICANT:NICHOLS, CAROL JEAN CO-APP:
SSN :440-68-7167 CO-SSN:
ADDRESS :3924 167TH TER, OKLAHOMA CITY, OK 73012*
-------------------------------------------------------------------
S O U R C E O F I N F O R M A T I O N
-------------------------------------------------------------------
1 - EXPERIAN
CAROL J NICHOLS 440687167 DOB: 08/11/59
NICHOLS CAROL 440687167 DOB: N/A
440-68-7167
3924 NW 167TH TER, EDMOND, OK 73012-2005 04/19
1405 OAK TREE DR, EDMOND, OK 73025-2615 06/17 - 11/18
BOX 117 ROUTE 2, BEAVER, OK 73932-9676 05/12 - 04/18
SELF EMPLOYED// 12/06
FORGAN SCHOOLS//FORGAN OK 73938 09/00

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

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

CAROL J NICHOLS - 440687167

TRANSUNION/FICO CLASSIC (04) 808
030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
004 - LACK OF RECENT INSTALLMENT LOAN INFORMATION
005 - TOO MANY ACCOUNTS WITH BALANCES
010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON
BANK REVOLVING OR OTHER REVOLVING ACCOUNTS
FA - INQUIRIES IMPACTED THE CREDIT SCORE
Page: 1/9
-------------------------------------------------------------------
APPLICANT:NICHOLS, CAROL JEAN
SSN :440-68-7167
ADDRESS :3924 167TH TER, OKLAHOMA CITY, OK 73012*
-------------------------------------------------------------------
CAROL J NICHOLS - 440687167
EXPERIAN/FAIR, ISAAC (VER. 2) 749
39 - SERIOUS DELINQUENCY
13 - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
08 - TOO MANY INQUIRIES LAST 12 MONTHS

-------------------------------------------------------------------
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
-------------------------------------------------------------------
NICHOLS, CAROL JEAN 440-68-7167
REMARK: AVAILABLE AND CLEAR

-------------------------------------------------------------------
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;

B B FRAZER BANK 012 03/19 $252472 AS AGREED

40000000000000610030319TG 03/19 $253468 1 0 0 0
--/-- $1245 XP/TU
03/19: C
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST;
Page: 2/9
-------------------------------------------------------------------
APPLICANT:NICHOLS, CAROL JEAN
SSN :440-68-7167
ADDRESS :3924 167TH TER, OKLAHOMA CITY, OK 73012*
-------------------------------------------------------------------
B B VON MAUR MIN 04/19 $3000 AS AGREED
197687** REV 03/17 $630 25 0 0 0
03/19 $135 TU/EF
04/19: CCCCCCCCCCCC-CCCCCCCCCCC-C

J B SECURITY BANKCARD CTR MIN 04/19 $13500 AS AGREED

449995****** REV 01/98 $305 97 0 0 0
04/19 $20 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

B B WF/DILLARD MIN 04/19 $5000 AS AGREED

579674******4982 REV 05/05 $27 99 0 0 0
04/19 $27 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

T B AMEX 001 12/18 $17378 AS AGREED

349991******7773 OPEN 10/78 $0 91 0 0 0
--/-- $* XP/TU
12/18:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-CCCCCCCCCCCCCCCCCCCCCC

B B CAP1/SAKS 04/19 $4000 AS AGREED

759213**** REV 10/12 $0 78 0 0 0
04/14 $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
-------------------------------------------------------------------
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
-------------------------------------------------------------------
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;

B B CBNA 02/14 $10220 PAID

512107****** REV 05/05 $0 99 0 0 0
11/07 $0 XP/EF
02/10:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-CC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

B B CITI/CBNA 02/13 $2500 PAID

603525******3608 REV 05/89 $0 99 0 0 0
04/07 $0 XP/EF
06/10:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;

B B COMENITY BANK/ANNTYLR 04/18 $1500 PAID

585637****** REV 12/05 $0 99 0 0 0
12/11 $0 XP/TU/EF
04/18:
-CCCCCCCCCCCCCCCCCCCCCCC----------------------------------------
REMARK: ACCOUNT CLOSED AT CREDIT GRANTOR'S REQUEST;

B B COMENITY BANK/ANTYLRMC 05/13 $6500 PAID

546676****** REV 11/10 $0 30 0 0 0
12/11 $0 XP/TU/EF
05/13: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CREDIT GRANTOR'S REQUEST;

B B COMENITY BANK/PTTRYBRN 05/12 $6000 PAID

585637****** REV 03/12 $0 3 0 0 0
04/12 $0 XP/TU/EF
05/12: -CC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

B B COMENITYBANK/EDDIEBAUR 04/18 $750 PAID

585637****** REV 12/04 $0 99 0 0 0
06/09 $0 XP/TU/EF
04/18:
-CCCCCCCCCCCCCCCCCCCCCCC----------------------------------------
REMARK: ACCOUNT CLOSED AT CREDIT GRANTOR'S REQUEST;
Page: 4/9
-------------------------------------------------------------------
APPLICANT:NICHOLS, CAROL JEAN
SSN :440-68-7167
ADDRESS :3924 167TH TER, OKLAHOMA CITY, OK 73012*
-------------------------------------------------------------------
B B COMENITYCB/JJILL 05/18 $2000 PAID
578097******4826 REV 06/12 $0 71 0 0 0
07/12 $0 XP/TU/EF
05/18:
-CCCCCCCCCCCCCCCCCCCCCCC--------------CCCCCCCCCCCCCCCCCCCCCCCC--
REMARK: ACCOUNT CLOSED AT CREDIT GRANTOR'S REQUEST;

J B FIRST SECURITY BANK 020 08/16 $636636 PAID

65731970000063448 INST 04/10 $0 76 0 0 0
08/16 $0 XP
08/16:
-CCCCCCCCCCCCC-C---CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-C
REMARK: SECURED LOAN;

J B FIRST SECURITY BANK 001 08/16 $600000 PAID

65731970000065135 MTG 12/12 $0 45 0 0 0
08/16 $0 XP
08/16: -CCCCCCCCCCCCC-C---CCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST;

J B FIRST SECURITY BANK 012 11/11 $595000 PAID

65731970000063129 MTG 12/09 $0 22 0 0 0
10/11 $0 XP
11/11: -C-CC-CCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST;

J B FIRST SECURITY BANK 240 05/10 $144000 PAID

65731970000062734 MTG 05/09 $0 12 0 0 0
05/10 $0 XP
05/10: -CCC---CC-CC

J B MB FIN SVC 36 08/13 $61569 PAID

7002926974 AUTO 09/09 $0 46 0 0 0
08/12 $0 XP/TU/EF
08/12: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

B B SYNCB/AMER 11/16 $124 PAID

604410****** REV 12/06 $0 99 0 0 0
02/07 $0 EF
Page: 5/9
-------------------------------------------------------------------
APPLICANT:NICHOLS, CAROL JEAN
SSN :440-68-7167
ADDRESS :3924 167TH TER, OKLAHOMA CITY, OK 73012*
-------------------------------------------------------------------
B B SYNCB/BANANA 07/18 $1000 INACTIVE
601859****** REV 04/06 $0 82 0 0 0
02/16 $0 XP/TU/EF
07/18:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: INACTIVE ACCOUNT;

J B SYNCB/EALN 03/16 $15000 PAID

603461****** REV 08/05 $0 99 0 0 0
06/06 $0 EF
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;

B B SYNCB/GAPDC 08/17 $1024 PAID

447994****** REV 01/10 $0 82 0 0 0
01/14 $0 XP/TU/EF
08/17:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CLOSED;

B B SYNCB/MERV 04/15 $200 PAID

604589****** REV 11/99 $0 99 0 0 0
--/-- $0 EF
REMARK: CHARGE;

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

SECURED DEBT 2062157 HIGH CREDIT 2470450

UNSECURED DEBT 962 REV CREDIT UTILIZATION 4%
OLDEST TRADE 10/78 TOTAL DEBT/HIGH CREDIT 84%

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

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 8/1/2019 1:47:43 PM ***

Page: 9/9
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

CORNERSTONE HOME LENDING INC - 350 REPORT #: 48117928

4801 GAILLARDIA PKWY STE 325 REFERENCE #: 3500043443
OKLAHOMA CITY, OK 73142
4054455445

RETURN SERVICE REQUESTED

CAROL JEAN NICHOLS

3924 167TH TER
OKLAHOMA CITY, OK 73012
=================================================================
YOUR CREDIT SCORE - 749
Source: EXPERIAN Date: 05/01/19
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 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.

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
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

CORNERSTONE HOME LENDING INC - 350 REPORT #: 48117928

4801 GAILLARDIA PKWY STE 325 REFERENCE #: 3500043443
OKLAHOMA CITY, OK 73142
4054455445

RETURN SERVICE REQUESTED

CAROL JEAN NICHOLS

3924 167TH TER
OKLAHOMA CITY, OK 73012
=================================================================
YOUR CREDIT SCORE - 808
Source: TRANS UNION Date: 05/01/19
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 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.

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: 5/9
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.

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Signature
Date
Page: 6/9
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

CORNERSTONE HOME LENDING INC - 350 REPORT #: 48117928

4801 GAILLARDIA PKWY STE 325 REFERENCE #: 3500043443
OKLAHOMA CITY, OK 73142
4054455445

RETURN SERVICE REQUESTED

CAROL JEAN NICHOLS

3924 167TH TER
OKLAHOMA CITY, OK 73012
=================================================================
YOUR CREDIT SCORE - 791
Source: EQUIFAX Date: 05/01/19
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 77 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
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* 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.

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

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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

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.

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Signature
Date
Page: 9/9
CORNERSTONE HOME LENDING INC - 350
4801 GAILLARDIA PKWY STE 325
OKLAHOMA CITY, OK 73142
4054455445

NOTICE TO THE HOME LOAN APPLICANT

CREDIT SCORE INFORMATION DISCLOSURE

NICHOLS, CAROL JEAN

3924 167TH TER
OKLAHOMA CITY, OK 73012

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
5/1/2019.

Applicant : NICHOLS, CAROL JEAN

Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 791 Range: 334-818
Key Factors affecting the score:
- TOO MANY INQUIRIES LAST 12 MONTHS
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
- LACK OF RECENT INSTALLMENT LOAN INFORMATION

Applicant : NICHOLS, CAROL JEAN

Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 808 Range: 309-839
Key Factors affecting the 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
- INQUIRIES IMPACTED THE CREDIT SCORE

Applicant : NICHOLS, CAROL JEAN

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 749 Range: 300-850
Key Factors affecting the score:
- SERIOUS DELINQUENCY
- TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
- TOO MANY INQUIRIES LAST 12 MONTHS

Borrower Signature _________________________________________ Date

__________
Page: 2/2