PERSON NAME: HASEEBNIAZI

PERSON SSN : 886-98-3098

FIRST NAME : :
LAST NAME : HASEEBNIAZI
Source:
PERSON DOB : 07/11/1974

12/28/2018 LEITH JAG

QC11
_______________________________________________________________________________
CREDIT INFORMATION

LAST HIGH NO PAST DUE REV PAID

CREDITOR/ DATE ACTV/ LIMIT/ MOS TIMES/DATES OR
ACCOUNT NO RPRTD OPND HI BAL BAL * RVD 30 60 90 PAY AMNT
===============================================================================
* = ACCOUNT OWNER/ACCOUNT TYPE

CONVENTIONAL MORTGAGE; FANNE MAE ACCOUNT; REAL ESTATE MORTGAGE

PROVIDENT FUNDING ASSO 05/19 --- IND $0 PAST DUE
9522110731 05/19 12/12 263000 171261 M1 79 0 0 0 360X $1595
RA11 UA11 QA11
_____________________________________________________________________

AUTO LEASE; AUTO; LEASE

JPMCB - AUTO FINANCE 06/19 --- IND $0 PAST DUE
12133431 07/19 12/18 21676 17785 I1 7 0 0 0 39X $572
RC11 UC11 QC11
_____________________________________________________________________

AMOUNT IN H/C COLUMN IS CREDIT LIMIT; FLEXIBLE SPENDING CREDIT

CARD
JPMCB - CARD SERVICE 05/19 33000 IND $0 PAST DUE
1941 06/19 02/14 12884 5989 R1 64 0 0 0 REV X $59
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________

AUTO LEASE; AUTO; LEASE; FIXED RATE

VW CREDIT INC 06/19 --- IND $0 PAST DUE
8108767013 06/19 12/17 11478 5583 I1 19 0 0 0 36X $328
RA11 UA11 QA11
_____________________________________________________________________

AMOUNT IN H/C COLUMN IS CREDIT LIMIT; FLEXIBLE SPENDING CREDIT

CARD
BARCLAYS BANK DELAWARE 06/19 11000 IND $0 PAST DUE
3861 06/19 01/19 1438 866 R1 6 0 0 0 REV X $27
RC11 UC11 QC11
_____________________________________________________________________

CONTINUED ON NEXT PAGE

NIAZI, HASEEB S 620-98-3098
NIAZI RABIA 688-12-1531
DATE: 07/07/2019 PAGE 4 OF 10

_______________________________________________________________________________
CREDIT INFORMATION

LAST HIGH NO PAST DUE REV PAID

CREDITOR/ DATE ACTV/ LIMIT/ MOS TIMES/DATES OR
ACCOUNT NO RPRTD OPND HI BAL BAL * RVD 30 60 90 PAY AMNT
===============================================================================
* = ACCOUNT OWNER/ACCOUNT TYPE

CHARGE ACCOUNT; CHARGE; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

KOHLS/CAPITAL ONE 05/19 1000 IND $0 PAST DUE
6851 06/19 05/16 587 23 R1 37 0 0 0 REV X $21
RC11 UC11 QC11
_____________________________________________________________________

CREDIT CARD; CREDIT LINE CLOSED - CONSUMER'S REQUEST -

REPORTED BY SUBSCRIBER; ACCOUNT CLOSED BY CONSUMER; ACCOUNT
CLOSED AT CONSUMER'S REQUEST; CLOSED OR PAID ACCOUNT/ZERO
BALANCE
AMERICAN EXPRESS 09/12 9500 IND $0 PAST DUE
9573 10/12 08/10 8079 0 R1 26 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

CREDIT CARD; ACCOUNT CLOSED BY CONSUMER; ACCOUNT CLOSED AT

CONSUMER'S REQUEST; CLOSED OR PAID ACCOUNT/ZERO BALANCE
AMERICAN EXPRESS 09/12 9500 TERMINATD $0 PAST DUE
9653 10/12 08/10 8079 0 R1 25 0 0 0 CLOSED
UC11 QC11
_____________________________________________________________________

AUTO LEASE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE

AMERICAN HONDA FINAN 06/11 --- IND $ PAST DUE
135270345 10/13 01/11 15246 0 I1 33 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

AUTOMOBILE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE; AUTO;

FIXED RATE
AMERICAN HONDA FINAN 10/12 --- IND $ PAST DUE
144082660 06/15 06/11 32529 0 I1 48 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

AUTOMOBILE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE; AUTO;

FIXED RATE
AMERICAN HONDA FINAN 02/16 --- IND $ PAST DUE
154642946 12/16 09/12 29470 0 I1 50 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________
CONTINUED ON NEXT PAGE
NIAZI, HASEEB S 620-98-3098
NIAZI RABIA 688-12-1531
DATE: 07/07/2019 PAGE 5 OF 10

_______________________________________________________________________________
CREDIT INFORMATION

LAST HIGH NO PAST DUE REV PAID

CREDITOR/ DATE ACTV/ LIMIT/ MOS TIMES/DATES OR
ACCOUNT NO RPRTD OPND HI BAL BAL * RVD 30 60 90 PAY AMNT
===============================================================================
* = ACCOUNT OWNER/ACCOUNT TYPE

AUTO LEASE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE

AMERICAN HONDA FINAN 02/11 --- IND $ PAST DUE
107307830 10/13 03/08 9213 0 I1 67 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

AUTOMOBILE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE

AMERICAN HONDA FINAN 02/10 --- IND $ PAST DUE
124629010 02/11 12/09 11711 0 I1 14 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

CREDIT CARD; CREDIT CARD; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

BANK OF AMERICA 08/16 35100 IND $0 PAST DUE
0527 06/19 10/98 4037 0 R1 97 0 0 0 REV X $0
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________

CONVENTIONAL MORTGAGE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO

BALANCE; REAL ESTATE MORTGAGE
BANK OF AMERICA, N.A 12/12 --- IND $0 PAST DUE
226049283 12/12 10/10 271423 0 M1 27 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

AUTO LEASE; FULL TERMINATION/OBLIGATION SATISFIED; FULL

TERMINATION/OBLIGATN SATISFIED; CLOSED OR PAID ACCOUNT/ZERO
BALANCE; AUTO
BMW FINANCIAL SERVICES 01/19 --- IND $ PAST DUE
4002306162 01/19 01/16 17180 0 I1 37 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

CONVENTIONAL MORTGAGE; CLOSED; FANNE MAE ACCOUNT; CLOSED OR

PAID ACCOUNT/ZERO BALANCE
CITIMORTGAGE INC 12/12 --- IND $0 PAST DUE
2002968235 12/12 08/05 156800 0 M1 86 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________
CONTINUED ON NEXT PAGE
NIAZI, HASEEB S 620-98-3098
NIAZI RABIA 688-12-1531
DATE: 07/07/2019 PAGE 6 OF 10

_______________________________________________________________________________
CREDIT INFORMATION

LAST HIGH NO PAST DUE REV PAID

CREDITOR/ DATE ACTV/ LIMIT/ MOS TIMES/DATES OR
ACCOUNT NO RPRTD OPND HI BAL BAL * RVD 30 60 90 PAY AMNT
===============================================================================
* = ACCOUNT OWNER/ACCOUNT TYPE

CHARGE ACCOUNT; CHARGE; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

COMENITY BANK/PIER 1 11/18 3000 IND $0 PAST DUE
2263 07/19 10/15 2470 0 R1 45 0 0 0 REV X $0
RC11 UC11 QC11
_____________________________________________________________________

CHARGE ACCOUNT; CREDIT LINE CLOSED - CONSUMER'S REQUEST -

REPORTED BY SUBSCRIBER; ACCOUNT CLOSED BY CONSUMER; ACCOUNT
CLOSED AT CONSUMER'S REQUEST; AMOUNT IN H/C COLUMN IS CREDIT
LIMIT
COMENITYBANK/NWYRK C 08/10 500 IND $ PAST DUE
0103 12/13 07/10 41 0 R1 41 0 0 0 CLOSED
RC11 UC11 QC11
_____________________________________________________________________

CREDIT CARD; CREDIT CARD; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

DISCOVER FIN SVCS LLC 11/15 7000 IND $0 PAST DUE
2288 07/19 11/98 2693 0 R1 99 0 0 0 REV X $0
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________

CONVENTIONAL MORTGAGE; CLOSED; FANNE MAE ACCOUNT; CLOSED OR

PAID ACCOUNT/ZERO BALANCE
FREEDOM MORTGAGE CORP 11/18 --- IND $0 PAST DUE
57588782 11/18 09/14 130500 0 M1 13 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE; AMOUNT IN H/C

COLUMN IS CREDIT LIMIT
JPMCB - CARD SERVICE 06/17 20700 JOINT $0 PAST DUE
2727 07/17 03/00 11530 0 R1 99 0 0 0 CLOSED
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________

CONVENTIONAL MORTGAGE; ACCOUNT TRANSFERRED TO ANOTHER LENDER;

TRANSFERRED TO ANOTHER LENDER; FANNE MAE ACCOUNT; ACCOUNT
TRANSFERRED OR SOLD
NEW YORK COMMUNITY BAN 11/17 --- IND $0 PAST DUE
7140578 11/17 09/14 130500 0 M1 37 0 0 0 180X $ ---
RA11 UA11 QA11
_____________________________________________________________________
CONTINUED ON NEXT PAGE
NIAZI, HASEEB S 620-98-3098
NIAZI RABIA 688-12-1531
DATE: 07/07/2019 PAGE 7 OF 10

_______________________________________________________________________________
CREDIT INFORMATION

LAST HIGH NO PAST DUE REV PAID

CREDITOR/ DATE ACTV/ LIMIT/ MOS TIMES/DATES OR
ACCOUNT NO RPRTD OPND HI BAL BAL * RVD 30 60 90 PAY AMNT
===============================================================================
* = ACCOUNT OWNER/ACCOUNT TYPE

CONVENTIONAL MORTGAGE; PURCHASED BY ANOTHER LENDER; FANNE MAE

ACCOUNT; ACCOUNT TRANSFERRED OR SOLD
PROVIDENT/SHORE MORTGA 10/13 --- IND $ PAST DUE
9123010365 12/13 12/12 120000 0 M1 11 0 0 0 180X $ ---
RA11 QA11
_____________________________________________________________________

CHARGE ACCOUNT; CHARGE; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

SYNCB/GAP 06/19 800 IND $0 PAST DUE
9279 07/19 06/07 548 0 R1 99 0 0 0 REV X $0
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________

CHARGE ACCOUNT; CHARGE; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

SYNCB/STEINMART PLLC 05/19 2100 IND $0 PAST DUE
2248 06/19 10/18 292 0 R1 9 0 0 0 REV X $0
RC11 UC11 QC11
_____________________________________________________________________

CONVENTIONAL MORTGAGE; CLOSED; FANNE MAE ACCOUNT; CLOSED OR

PAID ACCOUNT/ZERO BALANCE; FIXED RATE
UNITED WHOLESALE MOR 03/15 --- IND $0 PAST DUE
3000054247317 03/15 12/12 120000 0 M1 27 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________
===============================================================================
TOTALS HIGH LMT
HIGH BAL CUR BAL PASTDUE PAYMENT
133200
1393404 201507 0 2602
===============================================================================
_______________________________________________________________________________
CREDITOR INFORMATION

BANK OF AMERICA (800)421-2110

PO BOX 982238, EL PASO, TX 79998

BANK OF AMERICA, N.A (800)669-6607

4909 SAVARESE CIR, TAMPA, FL 33634

BARCLAYS BANK DELAWARE (888)232-0780

PO BOX 8803, WILMINGTON, DE 19899
CONTINUED ON NEXT PAGE
NIAZI, HASEEB S 620-98-3098
NIAZI RABIA 688-12-1531
DATE: 07/07/2019 PAGE 8 OF 10

_______________________________________________________________________________
CREDITOR INFORMATION

BMW FINANCIAL SERVICES (800)578-5000

5515 PARKCENTER CIR, DUBLIN, OH 43017

CITIMORTGAGE INC (800)283-7918

PO BOX 9438, GAITHERSBURG, MD 20898

COMENITY BANK/PIER 1
PO BOX 182789, COLUMBUS, OH 43218

COMENITYBANK/NWYRK C
PO BOX 182789, COLUMBUS, OH 43218

DISCOVER FIN SVCS LLC (800)347-2683

PO BOX 15316, WILMINGTON, DE 19850

FREEDOM MORTGAGE CORP (800)220-3333

10500 KINCAID DR, FISHERS, IN 46037

JPMCB - AUTO FINANCE (800)336-6675

PO BOX 901003, FT WORTH, TX 76101

JPMCB - CARD SERVICE (800)945-2000

PO BOX 15298, WILMINGTON, DE 19850

JPMCB - CARD SERVICE (800)945-2000

PO BOX 15298, WILMINGTON, DE 19850

KOHLS/CAPITAL ONE (800)564-5740

N56 W 17000 RIDGEWOOD DR, MENOMONEE FALLS, WI 53051

NEW YORK COMMUNITY BAN (718)460-4800

13665 ROOSEVELT AVE, FLUSHING, NY 11354

PROVIDENT FUNDING ASSO (707)547-4050

1235 N DUTTON AVE STE E, SANTA ROSA, CA 95401

PROVIDENT/SHORE MORTGA (248)433-3300

770 S ADAMS RD STE 300, BIRMINGHAM, MI 48009

SYNCB/GAP (800)887-1198
PO BOX 965005, ORLANDO, FL 32896

SYNCB/STEINMART PLLC (855)269-2139

PO BOX 965005, ORLANDO, FL 32896

UNITED WHOLESALE MOR

1414 E MAPLE RD, TROY, MI 48083

VW CREDIT INC (800)428-4034

1401 FRANKLIN BLVD, LIBERTYVILLE, IL 60048
_______________________________________________________________________________
OFAC

Name: HASEEB NIAZI

Source: BX1

Applicant input name checked. No similar records found in OFAC's watch

list.
OFAC NO RECORD FOUND
Name: RABIA NIAZI
Source: CX1

Co-Applicant input name checked. No similar records found in OFAC's watch

list.
OFAC NO RECORD FOUND
CONTINUED ON NEXT PAGE
NIAZI, HASEEB S 620-98-3098
NIAZI RABIA 688-12-1531
DATE: 07/07/2019 PAGE 9 OF 10

_______________________________________________________________________________
MISCELLANEOUS INFORMATION

TRANSUNION HIGH RISK FRAUD ALERT WAS COMPLETED ON APPLICANT BY SEARCHING

APPLICANT'S NAME, SOCIAL SECURITY NUMBER AND ADDRESS. NO FRAUDULENT
ACTIVITY WAS FOUND.
UA11 UC11
_______________________________________________________________________________
REPOSITORY ADDRESS INFORMATION

115 BRIGHT SAND CT, CARY, NC 27519-6411 10/10 10/10 B/C

UA11 UC11 RA11 RC11 QA11 QC11
105 KUDROW LN, MORRISVILLE, NC 27560-8196 10/05 09/05 B/C
UA11 UC11 RA11 RC11 QA11 QC11
2600 GOLDEN HORSESHOE CI D, MORRISVILLE, NC 27560-7650 --- 09/04 B/C
UA11 UC11
1912 CASSOWARY LN, APEX, NC 27523-4326 08/02 04/03 BOR
RA11
2600 GOLDEN HORSESHOE CI APT D, MORRISVILLE, NC 27560-7650 09/04 08/05 COB
RC11
2600 GOLDEN HORSESHOE CIR APT D, MORRISVILLE, NC 27560 10/04 --- B/C
QA11 QC11

_______________________________________________________________________________
REPOSITORY EMPLOYMENT INFORMATION

CISCO ARCHITECT --- --- BOR

UA11 QA11
CISCO SYSTEMS 01/16 01/16 BOR
RA11

_______________________________________________________________________________
SUMMARY INFORMATION

OLDEST TRADELINE DATE.....................................10/1998

PUBLIC RECORDS..................................................0
NUMBER OF INQUIRIES IN LAST 120 DAYS:...........................1
NUMBER OF OPEN REVOLVING TRADES:................................8
NUMBER OF OPEN INSTALLMENT TRADES:..............................3
NUMBER OF BALANCE MONTHLY TRADES:...............................0
TOTAL NUMBER OF OPEN TRADES:...................................11
REVOLVING CREDIT LIMIT:..................................$133,200
REVOLVING HIGH BALANCE:...................................$52,678
INSTALLMENT HIGH BALANCE:..............................$1,340,726
BALANCE MONTHLY HIGH BALANCE:..................................$0
BALANCE MONTHLY OWED:..........................................$0
REVOLVING BALANCE OWED.....................................$6,878
INSTALLMENT BALANCE OWED.................................$194,629
TOTAL BALANCE OWED:......................................$201,507
OPEN REVOLVING PAYMENTS:.....................................$107
OPEN INSTALLMENT PAYMENTS:...................................2495
TOTAL OPEN PAYMENTS:.........................................2602
REVOLVING AMOUNT PAST DUE:......................................0
CONTINUED ON NEXT PAGE
NIAZI, HASEEB S 620-98-3098
NIAZI RABIA 688-12-1531
DATE: 07/07/2019 PAGE 10 OF 10

_______________________________________________________________________________
SUMMARY INFORMATION

INSTALLMENT AMOUNT PAST DUE:....................................0

BALANCE MONTHLY AMOUNT PAST DUE:................................0
TOTAL AMOUNT PAST DUE:..........................................0
PAYMENTS 30 TO 59 DAYS LATE:....................................0
PAYMENTS 60 TO 89 DAYS LATE:....................................0
PAYMENTS 90 AND OVER DAYS LATE:.................................0
NUMBER OF COLLECTION TRADE LINES:...............................0
NUMBER OF BANKRUPTCY TRADE LINES:...............................0
NUMBER OF FORECLOSURE TRADE LINES:..............................0
NUMBER OF PROFIT AND LOSS TRADE LINES:..........................0
NUMBER OF REPOSSESSION TRADE LINES:.............................0
NUMBER OF ADVERSE TRADE LINES:..................................0
TOTAL NUMBER OF TRADELINES.....................................27

018D3233F720

END OF REPORT
 Your Credit Score and the Price You Pay for Credit

VELOCIO MORTGAGE L.L.C. --------------------------------

4372 N LOOP 1604 WEST, STE 200
|Request Date:|7/7/2019 |

SAN ANTONIO TX 78249 |-------------|----------------|

(210)971-6105
|Report ID: |K4406BXC90B4769 |

--------------------------------
RETURN SERVICE REQUESTED

Haseeb S Niazi
115 Bright Sand Ct
Cary, NC 27519

------------------------------------------------------------------------------
| Your Credit Score |
|----------------------------------------------------------------------------|
| Your Credit | 801 |
| Score | Source: Experian Consumer Relations 7/7/2019 |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| What you should | Your credit score is a number that reflects the |
| know about | information in your credit report. |
| 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 | Your credit score can affect whether you can get a loan |
| credit score | 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 | Experian |
| compares to the | |
| scores of other | Your credit score ranks higher than [ 80 ] percent of |
| consumers | U.S. Consumers |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| Key factors that| Experian |
| adversely | 01 AMOUNT OWED ON ACCOUNTS IS TOO HIGH |
| affected your | 12 LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED|
| | 24 NO RECENT REVOLVING BALANCES |
------------------------------------------------------------------------------
CONTINUED ON NEXT PAGE
------------------------------------------------------------------------------
| Checking Your Credit Report |
|----------------------------------------------------------------------------|
| What if there | You have a right to dispute any inaccurate information in|
| are mistakes in | your credit report. If you find mistakes on your credit |
| your 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 | Under Federal law, you have the right to obtain a free |
| obtain a copy of| copy of your credit report from each of the nationwide |
| 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 |
| | |
| | Annual Credit Report Request Service |
| | P.O. Box 105281 |
| | Atlanta, GA 30348-5281 |
|-----------------|----------------------------------------------------------|
| How can you | For more information about credit reports and your rights|
| get more | under Federal law, visit the Consumer Financial |
| information? | Protection Bureau's website at |
| | www.consumerfinance.gov/learnmore. |
------------------------------------------------------------------------------

CONTINUED ON NEXT PAGE

 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

PO Box 2002
Allen, TX 75013
(888) 397-3742
www.experian.com

H3-
2.4.8.0
 Your Credit Score and the Price You Pay for Credit

VELOCIO MORTGAGE L.L.C. --------------------------------

4372 N LOOP 1604 WEST, STE 200
|Request Date:|7/7/2019 |

SAN ANTONIO TX 78249 |-------------|----------------|

(210)971-6105
|Report ID: |K4406BXC90B4769 |

--------------------------------
RETURN SERVICE REQUESTED

Rabia Niazi
115 Bright Sand Ct
Cary, NC 27519

------------------------------------------------------------------------------
| Your Credit Score |
|----------------------------------------------------------------------------|
| Your Credit | 804 |
| Score | Source: Equifax Consumer Relations 7/7/2019 |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| What you should | Your credit score is a number that reflects the |
| know about | information in your credit report. |
| 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 | Your credit score can affect whether you can get a loan |
| credit score | 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 | Equifax |
| compares to the | |
| scores of other | Your credit score ranks higher than [ 86 ] percent of |
| consumers | U.S. Consumers |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| Key factors that| Equifax |
| adversely | 30 TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT |
| affected your | 11 AMOUNT OWED ON REVOLVING ACCOUNT IS TOO HIGH |
| credit score | 08 TOO MANY INQUIRIES LAST 12 MONTHS |
| | 14 LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED |

------------------------------------------------------------------------------
CONTINUED ON NEXT PAGE
------------------------------------------------------------------------------
| Checking Your Credit Report |
|----------------------------------------------------------------------------|
| What if there | You have a right to dispute any inaccurate information in|
| are mistakes in | your credit report. If you find mistakes on your credit |
| your 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 | Under Federal law, you have the right to obtain a free |
| obtain a copy of| copy of your credit report from each of the nationwide |
| 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 |
| | |
| | Annual Credit Report Request Service |
| | P.O. Box 105281 |
| | Atlanta, GA 30348-5281 |
|-----------------|----------------------------------------------------------|
| How can you | For more information about credit reports and your rights|
| get more | under Federal law, visit the Consumer Financial |
| information? | Protection Bureau's website at |
| | www.consumerfinance.gov/learnmore. |
------------------------------------------------------------------------------

CONTINUED ON NEXT PAGE

 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.

Equifax Consumer Relations

PO Box 740241
Atlanta, GA 30374
(800) 685-1111
www.equifax.com/fcra

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