Residential Merged Credit Report

-5005 OR FAX (800) 364-5005

Client Tracking Requested by Report ID
-77-0129 D2307BX1T008357
Client Code BX Date requested Charges
-6663 (248)433-3646 -MI0689 12.04

Applicant's last name First name Middle Suffix DOB Social Security
-77-0129
Co-applicant's last name First name Middle Suffix DOB Social Security
-24-9372

Telephone
Present

BQ1 -77-0129
BX1 -77-0129
BU1 -77-0129
CU1 -24-9372
CQ1 -24-9372
CX1 -24-9372

Repository Brand Type

-77-0129

- Ratio of balance to limit on bank revolving or other rev accts too high
745
- Amount owed on accounts is too high
- Length of time revolving accounts have been established
- Too many inquiries last 12 months
Repository Brand Type
-77-0129

- Proportion of balances to credit limits is too high on bank revolving or other revolving accounts
744 - Amount owed on revolving accounts is too high
- Proportion of loan balances to loan amounts is too high
- Too many inquiries last 12 months

Repository Brand Type

-77-0129

- Proportion of balances to credit limits is too high on bank revolving or other revolving accounts
734
- Amount owed on revolving account is too high
- Proportion of loan balances to loan amounts is too high
- Too many inquiries last 12 months
Repository Brand Type
-24-9372

- Serious delinquency
696 - Number of accounts with delinquency
- Length of time accounts have been established
- Time since delinquency is too recent or unknown

Repository Brand Type

-24-9372

- Serious delinquency
692 - Length of time accounts have been established
- No recent revolving balances
- Time since delinquency is too recent or unknown

Repository Brand Type

-24-9372

- Serious delinquency, and public record or collection filed

680 - Time since delinquency is too recent or unknown
- No recent revolving balances
- Number of accounts with delinquency

Payment Balance
 Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

BX1 CX1 BU1 -0- 360X $1650

BANK OF AMERICA, N.A. Last active High limit Install (I1)
CU1
215913868 BQ1 CQ1 ---
[Joint]

Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

USAA FEDERAL SAVINGS B BX1 CX1 BU1 -0- 072X $519

1000607364 Last active CU1 High limit Install (I1)
BQ1 CQ1 ---
[Joint]

Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

USAA SB
5458830102423486 Last active BX1 BU1 BQ1 High limit Revolv (R1) -0- $271
[Ind]

Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

--- ---
CREDIT COLL Last active High limit Monthly (O9) -0- Collection
25090909 *CU1 [Ind]
--- ---

Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

AMEX Last active High limit Revolv (R1) -0- Paid -0-
051177056010330022 BX1 BU1 [Ind]

Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

CB/EXPRESS Last active High limit Revolv (R1) -0- Paid -0-
CX1 CU1 CQ1
90717424907174247 [Ind]

Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

EGLIN FEDERAL CR UNION Last active High limit Install (I1) -0- Paid -0-
CX1 CU1 CQ1
291742005 [Ind] ---

Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

EGLIN FEDERAL CR UNION
291742001 Last active CX1 CU1 CQ1 High limit Revolv (R1) -0- Paid -0-
[Ind]

Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

EGLIN FEDERAL CR UNION Last active High limit Install (I1) -0- Paid -0-
BX1 BU1 BQ1
286946004 [Ind] ---

Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

EGLIN FEDERAL CR UNION Last active High limit Install (I1) -0- Paid -0-
CX1 CU1 CQ1
291742003 [Ind] ---

Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

EGLIN FEDERAL CR UNION Last active High limit Install (I1) -0- Paid -0-
CX1 CU1 CQ1
291742004 [Ind] ---

Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

G JWL/CBNA
6035253043156703 Last active BX1 BU1 BQ1 High limit Revolv (R1) -0- Paid -0-
[Ind]
 Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance
G JWL/CBNA ---
6035253037543197 Last active CX1 CU1 CQ1 High limit Revolv (R1) -0- Paid -0-
[Ind]

Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

GECRB/BELK Last active CX1 CU1 CQ1 High limit Revolv (R1) -0- Paid -0-
901141011420 [Ind]

Account paid

Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

---
*CX1 CX1 *CU1 -0- Profit & loss -0-
GECRB/JACCNT Last active High limit Revolv (R1)
CU1 CQ1 *CQ1 Paid
504662014154 [Joint]

request; Account paid

Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

---
GECRB/JCP Last active High limit Revolv (R) -0- Paid -0-
600889436114 BQ1 []
--- ---

Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

GECRB/JCP Last active High limit Revolv (R1) -0- Paid -0-
BX1 BU1 BQ1
600889431011 [Ind]

Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

GECRB/LOWES
BX1 CX1 BU1 -0- Paid -0-
798192410696 Last active High limit Revolv (R1)
CU1
BQ1 CQ1 [Ind]

Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

HSBC/MCRAE Last active High limit Revolv (R1) -0- $ --- -0-
CX1 CQ1 [Ind]
901141011420

transferred or sold

Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

MIL STAR
6019444500484932 Last active CX1 CU1 CQ1 High limit Revolv (R1) -0- Paid -0-
[Ind]

Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

PRSM/CBNA Last active BX1 BU1 BQ1 High limit Revolv (R1) -0- Paid -0-
5256500340308302 [Ind]

paid

Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

SEARS/CBNA 1 0 0
504994106649 Last active *CX1 *CU1 High limit Revolv (R1) -0- Paid -0-
*CQ1 [Ind] 03/11

Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

TYNDALL FEDERAL CREDIT Last active High limit Install (I1) -0- Paid -0-
CX1 CU1 CQ1
194047543 [Ind] ---
 Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

USAA FEDERAL SAVINGS B Last active BX1 BU1 BQ1 High limit Install (I1) -0- Paid -0-
42253898 [Ind] ---

Account paid

Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

USAA FEDERAL SAVINGS B Last active BX1 BU1 BQ1 High limit Install (I1) -0- Paid -0-
65931677 [Ind] ---

Account paid

Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

USAA SB
3743550115562360 Last active BX1 BU1 BQ1 High limit Revolv (R1) -0- Paid -0-
[Ind]

Opened Reported High balance Reviewed 30 60 90+ Pastdue Payment Balance

USAA SB Last active BX1 BU1 BQ1 High limit Revolv (R1) -0- Paid -0-
5458830005277161 [Ind]

paid

TOTALS High credit High balance Pastdue Payment Balance

- -

- -

- -

- -

- -

No Public Records found

CREDCO 2307 SHORE MORTGAGE

CREDCO/QUICKEN LOANS QUICKEN LOANS INC

First Last

USAF --- ---

US AIR FORCE --- ---

CITY OF HALTOM CITY

CITY

HIBBET SPORTS --- ---

 First Last

711 LIME LN
CU1 CQ1 CX1

361 BLUEFISH DR UNIT 73

CX1
6601 BLUE OAKS BLVD APT 2315 ---

306 COUNTRY MANOR DR

361 BLUEFISH DR 73 ---

6601 BLUE OAKS BV 2315 --- ---

5811 MONROE ST

5857 COUNTY ROAD 3122 N ---

- Applicant
OFAC Compliance

- Co-Applicant
OFAC Compliance
-Applicant input name checked. No similar records found in OFAC's SDN list.

05/95 271
General Payment
0 2,169
summations summaries
4 2,440
1 61
Late 0 Balance 15,776
payments 0 owed 233,701
249,538
6 0
Amount
Trades 2 0
past
numbers 1 0
due
9 0
1 78,399
0 63,459
Adverse 0 348,868
High credit
trade 1 0
/balance
lines 0
3
27
 - David Deam
4 0
General Mortgage Late
14 0
Summations Payments
0

-applicant Summary Information - Kristina Dean

4 0
General Mortgage Late
16 0
Summations Payments
0

-8800 -1111 -3742

FHLMC, FHA/VA and the Rural Housing Service.The information contained herein meets all guidelines set forth by the Fair Credit Reporting Act; it is to be held in strict confidence and
may be revealed only to those whose official duties require the information in relation to which this report was ordered, except that which is required by law. The information has been
obtained from sources deemed reliable, the accuracy of which Kroll Factual Data does not guarantee.

014B2D196F45 10/10/2012 11:44:30 2.1.764

 Your Credit Score and the Price You Pay for Credit

SHORE MORTGAGE Request Date: 10/9/2012

770 SOUTH ADAMS ROAD SUITE 300 Report ID: D2307BX1T008357
BIRMINGHAM MI 48009
(800)678-6663

RETURN SERVICE REQUESTED

David Deam
711 Lime Lane
Crestview, FL 32536

Your Credit Score

Your Credit Score Score Source Brand Type Date Range
744 Transunion Classic 04 FICO 10/9/2012 309-839

Understanding Your Credit Score

What you should know Your credit score is a number that reflects the information in your credit report.
about credit scores
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 creditors.
Your credit score can change, depending on how your credit history changes.
How we use your credit
Your credit score can affect whether you can get a loan and how much you will have to pay for that loan.
score
The range of scores Scores range depending on the bureau and model used 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 Transunion
compares to the scores
of other consumers Your credit score ranks higher than [ 57] percent of U.S. Consumers.

Understanding Your Credit Score

Key factors that Transunion
adversely affected your
credit score 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
003 Proportion of loan balances to loan amounts is too high
008 Too many inquiries last 12 months
Facta: inquiries impacted the credit score.

Checking Your Credit Report

What if there are You have a right to dispute any inaccurate information in your credit report. If you find mistakes on your
mistakes in your credit credit report, contact the consumer reporting agency.
report?
It is a good idea to check your credit report to make sure the information it contains is accurate.
How can you obtain a Under federal law, you have the right to obtain a free copy of your credit report from each of the nationwide
copy of your credit consumer reporting agencies once a year.
report?
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 For more information about credit reports and your rights under federal law, visit the Federal Reserve
information? Board's web site at www.federalreserve.gov , or the Federal Trade Commission's web site at www.ftc.gov.

Notice to 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.

TransUnion Consumer
Kroll Factual Data
Relations
5200 Hahns Peak Drive
PO Box 1000
Loveland, CO 80538
Chester, PA 19022
(800) 929-3400
(800) 916-8800
www.krollfactualdata.com
www.transunion.com/myoptions

H3- 2.3.7.0
 Your Credit Score and the Price You Pay for Credit

SHORE MORTGAGE Request Date: 10/9/2012

770 SOUTH ADAMS ROAD SUITE 300 Report ID: D2307BX1T008357
BIRMINGHAM MI 48009
(800)678-6663

RETURN SERVICE REQUESTED

Kristina Dean
711 Lime Lane
Crestview, FL 32536

Your Credit Score

Your Credit Score Score Source Brand Type Date Range
692 Experian Fair Isaac V2 FICO 10/9/2012 320-844

Understanding Your Credit Score

What you should know Your credit score is a number that reflects the information in your credit report.
about credit scores
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 creditors.
Your credit score can change, depending on how your credit history changes.
How we use your credit
Your credit score can affect whether you can get a loan and how much you will have to pay for that loan.
score
The range of scores Scores range depending on the bureau and model used 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 Experian
compares to the scores
of other consumers Your credit score ranks higher than [ 42] percent of U.S. Consumers.

Understanding Your Credit Score

Key factors that Experian
adversely affected your
credit score 39 Serious delinquency
14 Length of time accounts have been established
24 No recent revolving balances
13 Time since delinquency is too recent or unknown
Facta: too many inquiries last 12 months

Checking Your Credit Report

What if there are You have a right to dispute any inaccurate information in your credit report. If you find mistakes on your
mistakes in your credit credit report, contact the consumer reporting agency.
report?
It is a good idea to check your credit report to make sure the information it contains is accurate.
How can you obtain a Under federal law, you have the right to obtain a free copy of your credit report from each of the nationwide
copy of your credit consumer reporting agencies once a year.
report?
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 For more information about credit reports and your rights under federal law, visit the Federal Reserve
information? Board's web site at www.federalreserve.gov , or the Federal Trade Commission's web site at www.ftc.gov.

Notice to 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.

Experian Consumer Relations Kroll Factual Data

PO Box 2002 5200 Hahns Peak Drive
Allen, TX 75013 Loveland, CO 80538
(888) 397-3742 (800) 929-3400
www.experian.com www.krollfactualdata.com

H3- 2.3.7.0