PERSON NAME: WHALEN, LAURENT JOLE

PERSON SSN : 299-76-3775

FIRST NAME : WHALEN
LAST NAME : LAURENT JOLE
PERSON DOB : 06/13/64
PERSON ADRESS: 1848 CURRENT COURT, MARYSVILLE, CA 95901
PERSON SCORE: 886
-------------------------------------------------------------------
APPLICANT:WHALEN, LAURENT JOLE CO-APP:WHALEN, LI LIU
SSN :299-76-3775 CO-SSN:576-93-7696
ADDRESS :1848 CURRENT COURT, MARYSVILLE, CA 95901
-------------------------------------------------------------------
S O U R C E O F I N F O R M A T I O N
-------------------------------------------------------------------
1 - EXPERIAN
LAURENT J WHALEN 299763775 DOB: 06/13/64
LAURENT JOEL WHALEN 299763775 DOB: N/A
LARRY WHALEN 299763775 DOB: N/A
299-76-3775
1848 CURRENT CT, MARYSVILLE, CA 95901-8307 10/08 -
09/16
1611 GOLD ST, MARYSVILLE, CA 95901-6846 07/04 - 09/14
1736 MARSH DR, MARYSVILLE, CA 95901-8209 10/05 -
08/08
LOCKHEED MARTIN// 01/11
SPECTRUM// 09/08

2 - EXPERIAN
LI L WHALEN 576937696 DOB: 04/23/68
576-93-7696
1848 CURRENT CT, MARYSVILLE, CA 95901-8307 10/08 -
09/16
1736 MARSH DR, MARYSVILLE, CA 95901-8209 02/06 -
08/08
1611 GOLD ST, MARYSVILLE, CA 95901-6846 07/04 - 10/05
SPOUSE// 01/11

3 - TRANSUNION
LAURENT J WHALEN
DOB: 06/13/64
299-76-3775
1848 CURRENT CT, MARYSVILLE, CA 95901-8307 10/08
1736 MARSH DR, MARYSVILLE, CA 95901-8209 11/05
99-157A IWAIWA PL, AIEA, HI 96701 09/08

4 - TRANSUNION
LI L WHALEN
DOB: 04/23/68
576-93-7696
1848 CURRENT CT, MARYSVILLE, CA 95901-8307 10/08
1611 GOLD ST, MARYSVILLE, CA 95901-6846 08/04
1736 MARSH DR, MARYSVILLE, CA 95901-8209 05/06

5 - EQUIFAX
LAURENT J WHALEN DOB: 06/13/64
299-76-3775
1848 CURRENT CT, MARYSVILLE, CA 95901 10/08 - 09/18
1736 MARSH DR, MARYSVILLE, CA 95901 10/05 - 01/11
1611 GOLD ST, MARYSVILLE, CA 95901 08/04 - 10/14
6 - EQUIFAX
Page: 1/9
-------------------------------------------------------------------
APPLICANT:WHALEN, LAURENT JOLE
SSN :299-76-3775
ADDRESS :1848 CURRENT COURT, MARYSVILLE, CA 95901
-------------------------------------------------------------------
LI L WHALEN DOB: 04/23/68
576-93-7696
1848 CURRENT CT, MARYSVILLE, CA 95901 10/08 - 09/18
1736 MARSH DR, MARYSVILLE, CA 95901 11/06 - 04/15
1611 GOLD ST, MARYSVILLE, CA 95901 08/04 - 10/14

-------------------------------------------------------------------
S C O R E M O D E L S
-------------------------------------------------------------------
LAURENT J WHALEN - 299763775
EQUIFAX/FICO CLASSIC V5 FACTA 799
00010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH
ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS
00011 - AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH

LAURENT J WHALEN - 299763775

TRANSUNION/FICO CLASSIC (04) 787
010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON
BANK REVOLVING OR OTHER REVOLVING ACCOUNTS
011 - AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

LAURENT J WHALEN - 299763775

EXPERIAN/FAIR, ISAAC (VER. 2) 787
01 - AMOUNT OWED ON ACCOUNTS IS TOO HIGH
12 - LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
10 - PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING
OR ALL REVOLVING ACCOUNTS

LI L WHALEN - 576937696
EQUIFAX/FICO CLASSIC V5 FACTA 797
00030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
00010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH
ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS
00005 - TOO MANY ACCOUNTS WITH BALANCES

LI L WHALEN - 576937696
TRANSUNION/FICO CLASSIC (04) 798
030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON
BANK REVOLVING OR OTHER REVOLVING ACCOUNTS
004 - LACK OF RECENT INSTALLMENT LOAN INFORMATION
005 - TOO MANY ACCOUNTS WITH BALANCES

LI L WHALEN - 576937696
EXPERIAN/FAIR, ISAAC (VER. 2) 786
10 - PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING
OR ALL REVOLVING ACCOUNTS
08 - TOO MANY INQUIRIES LAST 12 MONTHS
09 - TOO MANY ACCOUNTS RECENTLY OPENED
05 - TOO MANY ACCOUNTS WITH BALANCES
Page: 2/9
-------------------------------------------------------------------
APPLICANT:WHALEN, LAURENT JOLE
SSN :299-76-3775
ADDRESS :1848 CURRENT COURT, MARYSVILLE, CA 95901
-------------------------------------------------------------------
-------------------------------------------------------------------
A L E R T
-------------------------------------------------------------------
LAURENT J WHALEN YOB: 1964
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED
LI L WHALEN YOB: 1968
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED

-------------------------------------------------------------------
T U I D V I S I O N A L E R T
-------------------------------------------------------------------
WHALEN, LAURENT JOLE 299-76-3775
REMARK: AVAILABLE AND CLEAR

WHALEN, LI LIU 576-93-7696

REMARK: AVAILABLE AND CLEAR

-------------------------------------------------------------------
O P E N A C C O U N T S
-------------------------------------------------------------------
E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
-------------------------------------------------------------------
J J FREEDOM MORTGAGE CORP 360 08/18 $258783 AS AGREED
85142362 MTG 03/12 $207096 28 0 0 0
08/18 $1627 XP/TU/EF
08/18: CCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: VA REAL ESTATE LOAN;

B J CAPITALONE MIN 09/18 $15000 AS AGREED

414709****** REV 11/11 $6277 82 0 0 0
08/18 $186 XP/TU/EF
09/18:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;

C C MCYDSNB MIN 08/18 $2000 AS AGREED

603534******9188 REV 08/18 $382 1 0 0 0
08/18 $27 XP/TU/EF
08/18: C

C C KOHLS/CAPONE MIN 09/18 $300 AS AGREED

639305******2627 REV 03/10 $7 99 0 0 0
06/18 $7 XP/TU/EF
09/18:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
Page: 3/9
-------------------------------------------------------------------
APPLICANT:WHALEN, LAURENT JOLE
SSN :299-76-3775
ADDRESS :1848 CURRENT COURT, MARYSVILLE, CA 95901
-------------------------------------------------------------------
J J CHASE CARD 09/18 $14100 AS AGREED
426684****** REV 09/96 $0 99 0 0 0
08/18 $0 XP/TU/EF
09/18:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

C C COMENITY BANK/PIER 1 08/18 $3000 AS AGREED

778830******1269 REV 08/15 $0 37 0 0 0
09/15 $0 XP/TU/EF
08/18: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

B B MIL STAR 04/10 $3500 AS AGREED

601944******8565 REV 11/01 $0 82 0 0 0
--/-- $0 XP/TU/EF
04/10:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-------------------

C C MILITARY STAR 11/17 $5800 AS AGREED

601945******0720 REV 05/14 $0 44 0 0 0
11/17 $0 XP/TU/EF
11/17: CCCCCCCCCCCC-CCCCCCCCCCCCCCCCCCCCCCCC----CCC

-------------------------------------------------------------------
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 CBNA 02/14 $10000 PAID
512107****** REV 04/08 $0 69 0 0 0
06/08 $0 EF
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

B B DSNB MACYS 08/18 $600 PAID

436556****** REV 12/14 $0 44 0 0 0
03/15 $0 XP/TU/EF
08/18: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC---CCCCCCCCC
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;

C C DSNB MACYS 09/18 $600 PAID

450553****** REV 10/09 $0 82 0 0 0
09/14 $0 XP/TU/EF
09/18:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC----CCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;
Page: 4/9
-------------------------------------------------------------------
APPLICANT:WHALEN, LAURENT JOLE
SSN :299-76-3775
ADDRESS :1848 CURRENT COURT, MARYSVILLE, CA 95901
-------------------------------------------------------------------
J J FTB/CPTLBK 360 04/10 $263722 PAID
4810064053051 MTG 08/08 $0 18 0 0 0
02/10 $0 XP/TU/EF
04/10: -CCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT TRANSFERRED OR SOLD;

J J GOLDEN 1 72 11/14 $20903 PAID

95420901 AUTO 09/08 $0 73 0 0 0
09/14 $0 XP/TU/EF
11/14:
-CC----------------------CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FIXED RATE;

J J KOHL/CHASE 03/10 $1500 PAID

504875***** REV 03/08 $0 23 0 0 0
03/08 $0 EF
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

J J LOANCARE SERVICING CTR360 05/16 $258783 PAID

6230007111156 MTG 03/12 $0 47 0 0 0
04/16 $0 XP/TU/EF
05/16: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: TRANSFERRED TO ANOTHER LENDER; VA REAL ESTATE LOAN;

J J LOANCARE SERVICING CTR360 04/12 $266994 PAID

6235648761 MTG 03/10 $0 23 0 0 0
02/12 $0 XP/TU/EF
04/12: -CCCCCCCCCCCCCCCCCCCCCC
REMARK: VA REAL ESTATE LOAN;

J J RANDOLPH BROOK FED CR 08/12 $12500 PAID

544974****** REV 12/99 $0 75 0 0 0
05/12 $0 XP/TU
08/12:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

P J SIERRA CENTRAL CREDIT 048 09/08 $10567 PAID

20829901 AUTO 03/05 $0 43 0 0 0
08/08 $0 XP
09/08: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

P J SIERRA CNT 60 08/13 $24639 PAID

20829902 AUTO 07/08 $0 60 0 0 0
07/13 $0 XP/TU/EF
07/13:
-CCCCCCCCCCC-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
Page: 5/9
-------------------------------------------------------------------
APPLICANT:WHALEN, LAURENT JOLE
SSN :299-76-3775
ADDRESS :1848 CURRENT COURT, MARYSVILLE, CA 95901
-------------------------------------------------------------------
C C SYNCB/MERV 04/15 $700 PAID
604589****** REV 04/06 $0 99 0 0 0
10/07 $0 XP/EF
08/09: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

-------------------------------------------------------------------
D E R O G A T O R Y A C C O U N T S
-------------------------------------------------------------------
*** NO RECORD FOUND ***

-------------------------------------------------------------------
C O L L E C T I O N A C C O U N T S
-------------------------------------------------------------------
*** NO RECORD FOUND ***

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

-------------------------------------------------------------------
P U B L I C R E C O R D S
-------------------------------------------------------------------
*** NO RECORD FOUND ***

-------------------------------------------------------------------
I N Q U I R I E S ( L A S T 1 2 0 D A Y S )
-------------------------------------------------------------------
XP 08/02/18 MACYS/DSNB DEPT/VARIETY STORES

-------------------------------------------------------------------
C R E D I T O R S
-------------------------------------------------------------------
- ARMY/AIR FORCE EXCHANGE [TU] 800-826-1317
3911 WALTON WALKER,DALLAS, TX 75266
- 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
,
- CBUSASEARS [EF] 800-669-8488
13200 SMITH ROAD,CLEVELAND, OH 44130
- CHASE [XP/TU/EF] 800-955-9900
201 N WALNUT ST,WILMINGTON, DE 19801
- COMENITY BANK/PIER 1 [XP/TU] BYMAILONLY
PO BOX 182789,COLUMBUS, OH 43218
- Credit Plus [TU] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- FREEDOM MORTGAGE CORP [XP] 855-690-5900
10500 KINCAID DR,FISHERS, IN 46037
Page: 6/9
-------------------------------------------------------------------
APPLICANT:WHALEN, LAURENT JOLE
SSN :299-76-3775
ADDRESS :1848 CURRENT COURT, MARYSVILLE, CA 95901
-------------------------------------------------------------------
- FREEDOM MTG [TU] 855-690-5900
907 PLEASANT VALLEY AVE STE 3,MOUNT LAUREL, NJ 08054
- FT MORTGAGE [TU] 800-364-7662
PO BOX 630148,IRVING TX 75063
- FT MTG [EF] 800-364-7662
14240 MIDWAY,DALLAS TX 75244
- FTB MORTGAGE [XP] 800-382-5465
4000 HORIZON WAY,IRVING TX 75063
- GOLDEN 1 [EF] 916-732-2900
1108 O STREET,SACRAMENTO, CA 95814
- GOLDEN 1 CREDIT UNION [XP] 916-732-2900
6507 4TH AVE,SACRAMENTO, CA 95817
- GOLDEN 1 CU [TU] 877-465-3361
P.O. BOX 279740,SACRAMENTO, CA 95827
- KOHLS/CAP1 [EF] 800-564-5740
,
- kohls/capone [XP] 800-564-5740
,
- KOHLS/CAPONE [MANUAL] 800-564-5740
,
- KOHLS/CHASE [EF] 800-564-5740
N56 W17000 RIDGEWOOD DR,MENOMONEE FALLS, WI 53051
- LOANCARE [EF] 757-892-1700
INTERSTATE CORPORATE CENTER BUILDING #9, SUITE 200,NORFOLK, VA
- LOANCARE INC [XP] 800-274-6600
THE KOGER CENTER BLDG9,NORFOLK, VA 23502
- LOANCARE SERVICING [TU] 800-274-6600
200 GOLDEN OAK CT,VIRGINIA BEACH VA 23452
- MACYS/DSNB [XP/TU] 800-243-6552
PO BOX 8218,MASON, OH 45040
- MACY'S/DSNB [EF] 866-593-2543
911 DUKE BLVD,MASON, OH 45040
- MCCBG/MERV [EF] 800-480-5014
RETAILERS NATL BANK MERV,MINNEAPOLIS MN 55440
- MCCBG/MERVYNS [XP] 800-480-5014
3701 WAYZATA BLVD,MINNEAPOLIS, MN 55416
- MCYDSNB [XP] 800-956-6229
,
- MILITARY STAR [XP/EF] BYMAILONLY
3911 S WALTON WALKER BLV,DALLAS, TX 75236
- RAND BRKS CU [TU] 210-9453333
P O BOX 2097,UNIVERSAL CITY, TX 78148
- RANDOLPH BROOK FED CR [XP] 210-945-3333
PO BOX 2097,UNIVERSAL CITY TX 78148
- SIERRA CENTRAL CREDI [EF]
BLDG 2522,BEALE AIR FORCE BASE, CA 95903
- SIERRA CU [TU] 530-671-4411
820 PLAZA WY,YUBA CITY, CA 95991

-------------------------------------------------------------------
T R A D E S U M M A R Y
-------------------------------------------------------------------
Page: 7/9
-------------------------------------------------------------------
APPLICANT:WHALEN, LAURENT JOLE
SSN :299-76-3775
ADDRESS :1848 CURRENT COURT, MARYSVILLE, CA 95901
-------------------------------------------------------------------
# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 4 207096 258783 1627 0
AUTO 3 0 0 0 0
EDUCATION 0 0 0 0 0
OTHER INSTALLM 0 0 0 0 0
OPEN 0 0 0 0 0
REVOLVING 13 6666 43700 220 0
OTHER 0 0 0 0 0
TOTAL 20 213762 302483 1847 0

SECURED DEBT 207096 HIGH CREDIT 302483

UNSECURED DEBT 6666 REV CREDIT UTILIZATION 15%
OLDEST TRADE 09/96 TOTAL DEBT/HIGH CREDIT 71%

-------------------------------------------------------------------
D E R O G A T O R Y S U M M A R Y
-------------------------------------------------------------------
CHARGE OFFS 0 30 DAYS 0 INQUIRIES 1
COLLECTIONS 0 60 DAYS 0 DISPUTES 0
BANKRUPTCY 0 90 DAYS 0
PUBLIC RECORDS 0 OTHER 0

-------------------------------------------------------------------
M I S C E L L A N E O U S I N F O R M A T I O N
-------------------------------------------------------------------
Instant View Password: AV-56FC83C
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 45161225 and password AV-56FC83C 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
Page: 8/9
-------------------------------------------------------------------
APPLICANT:WHALEN, LAURENT JOLE
SSN :299-76-3775
ADDRESS :1848 CURRENT COURT, MARYSVILLE, CA 95901
-------------------------------------------------------------------

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

*** END OF REPORT 1/23/2019 1:26:18 PM ***

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

CORNERSTONE HOME LENDING INC - 355 REPORT #: 45161225

1500 POOLE BLVD STE A REFERENCE #: 3550000235
YUBA CITY, CA 95993
5307636633

RETURN SERVICE REQUESTED

LAURENT JOLE WHALEN

1848 CURRENT COURT
MARYSVILLE, CA 95901
=================================================================
YOUR CREDIT SCORE - 787
Source: EXPERIAN Date: 09/12/18
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 320 to a high of 844.

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 72 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* AMOUNT OWED ON ACCOUNTS IS TOO HIGH
* LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
* PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL
REVOLVING ACCOUNTS
Page: 1/18
=================================================================
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: 2/18
 NOTICE TO THE HOME LOAN APPLICANT

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

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

The credit score is a computer generated summary calculated at

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

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

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

If you have questions about your credit score or the credit

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

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

the lender.

------------------------------------------------------------------
-----------------
Signature
Date
Page: 3/18
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

CORNERSTONE HOME LENDING INC - 355 REPORT #: 45161225

1500 POOLE BLVD STE A REFERENCE #: 3550000235
YUBA CITY, CA 95993
5307636633

RETURN SERVICE REQUESTED

LI LIU WHALEN
1848 CURRENT COURT
MARYSVILLE, CA 95901
=================================================================
YOUR CREDIT SCORE - 786
Source: EXPERIAN Date: 09/12/18
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 320 to a high of 844.

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:
-----------------------------------------------------------------
* PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL
REVOLVING ACCOUNTS
* TOO MANY INQUIRIES LAST 12 MONTHS
* TOO MANY ACCOUNTS RECENTLY OPENED
* TOO MANY ACCOUNTS WITH BALANCES
Page: 4/18
=================================================================
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: 5/18
 NOTICE TO THE HOME LOAN APPLICANT

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

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

The credit score is a computer generated summary calculated at

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

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

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

If you have questions about your credit score or the credit

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

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

the lender.

------------------------------------------------------------------
-----------------
Signature
Date
Page: 6/18
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

CORNERSTONE HOME LENDING INC - 355 REPORT #: 45161225

1500 POOLE BLVD STE A REFERENCE #: 3550000235
YUBA CITY, CA 95993
5307636633

RETURN SERVICE REQUESTED

LAURENT JOLE WHALEN

1848 CURRENT COURT
MARYSVILLE, CA 95901
=================================================================
YOUR CREDIT SCORE - 787
Source: TRANS UNION Date: 09/12/18
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 76 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
Page: 7/18
=================================================================
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: 8/18
 NOTICE TO THE HOME LOAN APPLICANT

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

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

The credit score is a computer generated summary calculated at

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

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

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

If you have questions about your credit score or the credit

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

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

the lender.

------------------------------------------------------------------
-----------------
Signature
Date
Page: 9/18
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

CORNERSTONE HOME LENDING INC - 355 REPORT #: 45161225

1500 POOLE BLVD STE A REFERENCE #: 3550000235
YUBA CITY, CA 95993
5307636633

RETURN SERVICE REQUESTED

LI LIU WHALEN
1848 CURRENT COURT
MARYSVILLE, CA 95901
=================================================================
YOUR CREDIT SCORE - 798
Source: TRANS UNION Date: 09/12/18
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 83 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
* LACK OF RECENT INSTALLMENT LOAN INFORMATION
* TOO MANY ACCOUNTS WITH BALANCES
Page: 10/18
=================================================================
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: 11/18
 NOTICE TO THE HOME LOAN APPLICANT

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

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

The credit score is a computer generated summary calculated at

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

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

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

If you have questions about your credit score or the credit

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

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

the lender.

------------------------------------------------------------------
-----------------
Signature
Date
Page: 12/18
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

CORNERSTONE HOME LENDING INC - 355 REPORT #: 45161225

1500 POOLE BLVD STE A REFERENCE #: 3550000235
YUBA CITY, CA 95993
5307636633

RETURN SERVICE REQUESTED

LAURENT JOLE WHALEN

1848 CURRENT COURT
MARYSVILLE, CA 95901
=================================================================
YOUR CREDIT SCORE - 799
Source: EQUIFAX Date: 09/12/18
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 83 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
=================================================================
Page: 13/18
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: 14/18
 NOTICE TO THE HOME LOAN APPLICANT

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

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

The credit score is a computer generated summary calculated at

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

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

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

If you have questions about your credit score or the credit

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

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

the lender.

------------------------------------------------------------------
-----------------
Signature
Date
Page: 15/18
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

CORNERSTONE HOME LENDING INC - 355 REPORT #: 45161225

1500 POOLE BLVD STE A REFERENCE #: 3550000235
YUBA CITY, CA 95993
5307636633

RETURN SERVICE REQUESTED

LI LIU WHALEN
1848 CURRENT COURT
MARYSVILLE, CA 95901
=================================================================
YOUR CREDIT SCORE - 797
Source: EQUIFAX Date: 09/12/18
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 81 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
* TOO MANY ACCOUNTS WITH BALANCES
Page: 16/18
=================================================================
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: 17/18
 NOTICE TO THE HOME LOAN APPLICANT

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

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

The credit score is a computer generated summary calculated at

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

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

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

If you have questions about your credit score or the credit

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

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

the lender.

------------------------------------------------------------------
-----------------
Signature
Date
Page: 18/18
CORNERSTONE HOME LENDING INC - 355
1500 POOLE BLVD STE A
YUBA CITY, CA 95993
5307636633

NOTICE TO THE HOME LOAN APPLICANT

CREDIT SCORE INFORMATION DISCLOSURE

WHALEN, LAURENT JOLE

1848 CURRENT COURT
MARYSVILLE, CA 95901

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
 9/12/2018.

Applicant : WHALEN, LAURENT JOLE

Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 799 Range: 334-818
Key Factors affecting the score:
- PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH

Applicant : WHALEN, LAURENT JOLE

Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 787 Range: 309-839
Key Factors affecting the score:
- PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Applicant : WHALEN, LAURENT JOLE

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 787 Range: 300-850
Key Factors affecting the score:
- AMOUNT OWED ON ACCOUNTS IS TOO HIGH
- LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
- PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR
ALL REVOLVING ACCOUNTS

Borrower Signature _________________________________________ Date

__________
Page: 2/2
CORNERSTONE HOME LENDING INC - 355
1500 POOLE BLVD STE A
YUBA CITY, CA 95993
5307636633

NOTICE TO THE HOME LOAN APPLICANT

CREDIT SCORE INFORMATION DISCLOSURE

WHALEN, LI LIU
1848 CURRENT COURT
MARYSVILLE, CA 95901

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
 9/12/2018.

Applicant : WHALEN, LI LIU

Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 797 Range: 334-818
Key Factors affecting the score:
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
- TOO MANY ACCOUNTS WITH BALANCES

Applicant : WHALEN, LI LIU

Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 798 Range: 309-839
Key Factors affecting the score:
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
- LACK OF RECENT INSTALLMENT LOAN INFORMATION
- TOO MANY ACCOUNTS WITH BALANCES

Applicant : WHALEN, LI LIU

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 786 Range: 300-850
Key Factors affecting the score:
- PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR
ALL REVOLVING ACCOUNTS
- TOO MANY INQUIRIES LAST 12 MONTHS
- TOO MANY ACCOUNTS RECENTLY OPENED
- TOO MANY ACCOUNTS WITH BALANCES

Borrower Signature _________________________________________ Date

__________
Page: 2/2