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PERSON NAME: HUNSICKER PARKER, BETH CA

PERSON SSN : 843-92-9531


FIRST NAME : HUNSICKER PARKER
LAST NAME : BETH CA
PERSON DOB : 07/22/78
PERSON ADRESS: 43 SUMMIT PL, SAINT LOUIS, MO 63119
PERSON SCORE: 831
-------------------------------------------------------------------
03/15 $0 XP/TU/EF
10/17:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

Page: 4/13
-------------------------------------------------------------------
APPLICANT:HUNSICKER PARKER, BETH CA
SSN :303-92-9531
ADDRESS :43 SUMMIT PL, SAINT LOUIS, MO 63119
-------------------------------------------------------------------
C J CITI 04/19 $25000 AS AGREED
410039******1617 REV 09/14 $0 32 0 0 0
03/19 $0 XP/TU/EF
04/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;

C J CHASE CARD 09/18 $24600 PAID


438857****** REV 05/15 $0 39 0 0 0
07/18 $0 XP/TU/EF
09/18: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER; FLEXIBLE SPENDING CREDIT
CARD;

B B CHASE CARD 09/12 $20000 PAID


414720****** REV 02/11 $0 19 0 0 0
05/12 $0 XP/TU/EF
09/12: -CCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; FLEXIBLE SPENDING
CREDIT CARD;

C C US BANK 03/19 $20000 AS AGREED


435577****** REV 05/14 $0 58 0 0 0
10/17 $0 XP/TU/EF
03/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CHECK CREDIT OR LINE OF CREDIT;

B B NORDSTROM/TD BANK USA 04/19 $12000 AS AGREED


447043******5733 REV 08/12 $0 81 0 0 0
12/18 $0 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

B B SYNCB/TCS 09/18 $7500 PAID


603461******3775 REV 12/17 $0 09 0 0 0
03/18 $0 XP/TU/EF
09/18: -CCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER;

B B AMEX 04/19 $5000 AS AGREED


-34999******98413 REV 01/06 $0 95 0 0 0
--/-- $0 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
Page: 5/13
-------------------------------------------------------------------
APPLICANT:HUNSICKER PARKER, BETH CA
SSN :303-92-9531
ADDRESS :43 SUMMIT PL, SAINT LOUIS, MO 63119
-------------------------------------------------------------------
C C SYNCB/LNNX 06/16 $5000 PAID
603462****** REV 03/06 $0 99 0 0 0
08/06 $0 EF
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;

C C CHASE CARD 05/15 $3000 PAID


426684****** REV 10/13 $0 19 0 0 0
06/14 $0 XP/TU/EF
05/15: -CCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

B J CREDIT FIRST N A 10/18 $2800 PAID


680897*** REV 10/16 $0 26 0 0 0
01/17 $0 XP/TU/EF
10/18: -CCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

C C US BANK HOGAN LOC 05/14 $2500 PAID


-00015******7912 REV 12/06 $0 90 0 0 0
04/14 $0 XP/TU/EF
05/14:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CHECK CREDIT OR LINE OF CREDIT;

B B COMENITY BANK/ANNTYLR 06/14 $1500 PAID


585637****** REV 09/10 $0 46 0 0 0
04/13 $0 XP/TU/EF
06/14: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

B B AMEX DSNB 04/19 $1200 PAID


377481******081 REV 02/07 $0 82 0 0 0
01/16 $0 XP/TU/EF
04/19:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC----CCCCCCCCCCCCCCCCCC--
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;

C C CHASE CARD 11/11 $800 PAID


422765****** REV 06/91 $0 85 0 0 0
02/08 $0 XP/EF
11/11:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;
Page: 6/13
-------------------------------------------------------------------
APPLICANT:HUNSICKER PARKER, BETH CA
SSN :303-92-9531
ADDRESS :43 SUMMIT PL, SAINT LOUIS, MO 63119
-------------------------------------------------------------------
C C DSNB MACYS 04/19 $600 PAID
422944****** REV 09/13 $0 67 0 0 0
08/14 $0 XP/TU/EF
04/19:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC---CCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;

B B TALBOTS 02/13 $500 PAID


990911** REV 09/98 $0 55 0 0 0
--/-- $0 EF
REMARK: ACCOUNT TRANSFERRED OR SOLD;

C C AHF 60 05/15 $18854 PAID


134032537 AUTO 12/10 $0 53 0 0 0
02/15 $0 XP/TU/EF
03/15: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FIXED RATE;

C C BK OF AMER 360 05/13 $111395 PAID


197237569 MTG 02/09 $0 51 0 0 0
05/13 $0 XP/TU/EF
05/13: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: TRANSFERRED TO ANOTHER LENDER; FHA REAL ESTATE LOAN;

J J BUSEY BANK 360 03/18 $447200 PAID


351996230000000010 MTG 12/17 $0 4 0 0 0
01/18 $0 XP/TU/EF
03/18: -CCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST;

B B CAP1/BSTBY 07/09 $0 PAID


169601******40682 REV 09/02 $0 82 0 0 0
01/04 $0 EF
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

C C CITIZENS BANK NA 060 12/10 $16138 PAID


2720173513 AUTO 04/07 $0 45 0 0 0
12/10 $0 XP/TU/EF
12/10: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

C C CLC 240 01/18 $22343 PAID


-P068129641 EDU 07/03 $0 99 0 0 0
11/17 $0 XP/TU/EF
01/18:
-CCC-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT TRANSFERRED OR SOLD;
Page: 7/13
-------------------------------------------------------------------
APPLICANT:HUNSICKER PARKER, BETH CA
SSN :303-92-9531
ADDRESS :43 SUMMIT PL, SAINT LOUIS, MO 63119
-------------------------------------------------------------------
B B FIRSTMARK/IDAPP 240 03/15 $35500 PAID
1007944 EDU 08/03 $0 20 0 0 0
02/15 $0 XP/TU/EF
03/15: -CCCCCCCCCCCCCCCCCCC

B B FIRSTMARK/IDAPP 240 03/15 $39500 PAID


1007988 EDU 08/04 $0 20 0 0 0
02/15 $0 XP/TU/EF
03/15: -CCCCCCCCCCCCCCCCCCC

B B IDAPP 240 11/12 $5284 PAID


*********41535C EDU 12/04 $0 41 0 0 0
10/12 $0 TU/EF
10/12: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

B B IL DESIGNATE 240 04/13 $41965 PAID


*********41535B EDU 08/04 $0 46 0 0 0
04/13 $0 TU/EF
04/13: C-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: PURCHASED BY ANOTHER LENDER; COLLATERAL: SLDTO ANOTHER
LENDER;

B B IL DESIGNATE 240 04/13 $39289 PAID


*********41535A EDU 08/03 $0 46 0 0 0
04/13 $0 TU/EF
04/13: C-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: PURCHASED BY ANOTHER LENDER; COLLATERAL: SLDTO ANOTHER
LENDER;

B B NAVIENT 360 02/18 $37576 PAID


92414766741000220051205DU 12/05 $0 99 0 0 0
01/18 $0 XP/TU/EF
02/18:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FIXED RATE;

C C NELNET LNS 240 12/17 $19451 PAID


172047519 EDU 07/03 $0 1 0 0 0
12/17 $0 XP/TU/EF
12/17: -

C C NELNET LNS 240 12/17 $2891 PAID


172047619 EDU 07/03 $0 1 0 0 0
12/17 $0 XP/TU/EF
12/17: -
Page: 8/13
-------------------------------------------------------------------
APPLICANT:HUNSICKER PARKER, BETH CA
SSN :303-92-9531
ADDRESS :43 SUMMIT PL, SAINT LOUIS, MO 63119
-------------------------------------------------------------------
M J NISSAN MOTOR ACCEPTANC060 03/17 $24902 PAID
102453948790001 AUTO 11/14 $0 29 0 0 0
03/17 $0 XP/TU/EF
03/17: -CCCCCCCCCCCCCCCCCCCCCCCCCCCC

C C NTONSTMRCO 360 12/13 $111395 PAID


604654194 MTG 06/13 $0 - - -
06/13 $0 XP/TU/EF
06/13: -
REMARK: REAL ESTATE MORTGAGE; FIXED RATE;

C C US BANK 060 07/14 $20050 PAID


513825251 INST 10/13 $0 10 0 0 0
06/14 $0 XP/TU/EF
07/14: -CCCCCCCCC

C C US BANK HOME MORTGAGE 360 02/17 $105544 PAID


5156800718599 MTG 06/13 $0 42 0 0 0
02/17 $0 XP/TU/EF
02/17: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FHA REAL ESTATE LOAN;

B B WELLS FARGO HM MORTGAG360 03/15 $281205 PAID


7080308337708 MTG 09/10 $0 51 0 0 0
02/15 $0 XP/TU/EF
03/15: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST; FREDDIE MAC ACCOUNT;

B B WELLS FARGO HM MORTGAG360 10/10 $292500 PAID


7080171782816 MTG 08/07 $0 38 0 0 0
09/10 $0 XP/TU/EF
10/10: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST; FREDDIE MAC ACCOUNT;

J J WFHM 360 01/18 $377910 PAID


9360427529243 MTG 12/14 $0 33 0 0 0
12/17 $0 XP/TU/EF
01/18: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FANNIE MAE ACCOUNT; VARIABLE/ADJUSTABLE RATE;

-------------------------------------------------------------------
P U B L I C R E C O R D S
-------------------------------------------------------------------
*** NO RECORD FOUND ***
Page: 9/13
-------------------------------------------------------------------
APPLICANT:HUNSICKER PARKER, BETH CA
SSN :303-92-9531
ADDRESS :43 SUMMIT PL, SAINT LOUIS, MO 63119
-------------------------------------------------------------------
-------------------------------------------------------------------
I N Q U I R I E S ( L A S T 1 2 0 D A Y S )
-------------------------------------------------------------------
*** NO RECORD FOUND ***

-------------------------------------------------------------------
C R E D I T O R S
-------------------------------------------------------------------
- ACS/CLC [TU] 800-835-4611
C/O ACS 501 BLEEKER STREET,UTICA, NY 13501
- ACS/COLLEGE LOAN CORP [XP/EF] 315-738-2200
501 BLEECKER ST,UTICA, NY 13501
- AHF [EF] 972-929-1566
3625 W ROYAL LANE,IRVING TX 75063
- AMER HONDA [TU] 800-533-0580
3625 WEST ROYAL LANE SUITE 100,IRVING, TX 75063
- AMERICAN EXPRESS [EF] 800-528-4800
P.O. BOX 7871,FORT LAUDERDALE, FL 33329
- AMERICAN HONDA FINANCE [XP] 214-277-5200
3625 W ROYAL LN STE 100,IRVING, TX 75063
- AMEX DSNB [TU] 800-243-6552
PO BOX 8218,MASON, OH 45040
- amex/dsnb [EF] 800-956-6229
,
- AMEXDSNB [XP] 800-659-6229
,
- bank of america [XP] 800-759-6262
,
- BANK OF AMERICA [EF] 800-759-6262
400 CHRISTIANA RD,NEWARK, DE 19713
- BANK OF AMERICA, N.A. [XP] 800-669-6607
400 COUNTRYWIDE WAY,SIMI VALLEY, CA 93065
- BK OF AMER [TU] 800-669-6607
,
- BUSEY BANK [XP/TU] 217-351-6500
PO BOX 489,URBANA, IL 61803
- BUSEY BK [EF] 217-384-4570
201 W MAIN ST,URBANA, IL 61801
- CENTEX [EF] 888-480-2432
PO BOX 199111,DALLAS TX 75235
- CHASE [XP/TU/EF] 800-955-9900
201 N WALNUT ST,WILMINGTON, DE 19801
- CHASE BP [EF] 800-477-6761
225 CHASTAIN MEADOWS COURT,KENNESAW, GA 30144
- CITI [XP/TU/EF] 855-378-6467
PO BOX 6190,SIOUX FALLS, SD 57117
- CITI CARDS CBSDNA [TU] 800-843-0777
POB 6241,SIOUX FALLS, SD 57117
- CITIZENCAF [EF] 401-456-7000
INC,WARWICK RI 02886
- CITIZENS CAF [XP/TU] 800-610-7300
480 JEFFERSON BLVD,WARWICK, RI 02886
- COMENITY BANK/ANNTYLR [XP/EF] 866-730-7902
PO BOX 182273,COLUMBUS, OH 43218
Page: 10/13
-------------------------------------------------------------------
APPLICANT:HUNSICKER PARKER, BETH CA
SSN :303-92-9531
ADDRESS :43 SUMMIT PL, SAINT LOUIS, MO 63119
-------------------------------------------------------------------
- COMENITY BANK/ARHAUS [XP/TU] 888-245-4064
PO BOX 182789,COLUMBUS, OH 43218
- CRDT FIRST [TU/EF] 216-362-5000
POB 81315,CLEVELAND, OH 44181
- CREDIT FIRST N A [XP] 800-321-3950
6275 EASTLAND RD,BROOK PARK, OH 44142
- Credit Plus [TU] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- GEMB/LENN [EF] 866-396-8254
,
- guild mortgage [EF]
450 AMERICAN ST,SIMI VALLEY CA 93065
- HSBC/BSTBY [EF] 800-365-0292
1405 FOULK ROAD,WILMINGTON, DE 19808
- IL DESIGNATE [TU] 847-948-8620
1755 LAKE COOK RD,DEERFIELD, IL 60015
- MACY'S/DSNB [EF] 866-593-2543
911 DUKE BLVD,MASON, OH 45040
- MBNA AMERICA [TU] 800-421-2110
PO BOX 17054,WILMINGTON DE 19884
- MCYDSNB [XP] 800-956-6229
,
- MTG SERV CTR [TU] 800-421-8059
PO BOX 8469,CANTON, OH 44711
- MTG SVC CN [EF] 330-455-5600
217 2ND STREET NW,CANTON, OH 44702
- NATIONSTAR [TU] 866-316-2432
350 HIGHLAND,HOUSTON, TX 77067
- NATIONSTAR MORTGAGE LLC [XP] 888-480-2432
2828 N HARWOOD ST,DALLAS TX 75201
- NAVIENT [XP] 888-272-5543
123 S JUSTISON ST,WILMINGTON, DE 19801
- NELNET LNS [XP/TU] 888-486-4722
PO BOX 1649,DENVER CO 80201
- NELNET LOAN SERVICES [EF] 888-486-4722
3015 S. PARKER RD, STE 425,AURORA, CO 80014
- NISSAN MOTOR [TU] 800-777-6116
POB 660366,DALLAS TX 75266
- NISSAN MOTOR ACCEPTANC [XP/EF] 800-950-6622
PO BOX 660360,DALLAS TX 75266
- NORDSTM/TD [TU] 800-964-1800
PO BOX 13589,SCOTTSDALE, AZ 85267
- NORDSTROM/TD BANK USA [XP] 800-964-1800
13531 E CALEY AVE,ENGLEWOOD, CO 80111
- NW RUSHVILLLE [XP] (219) 461-66
1541 NORTH MAIN STREET,RUSHVILLE IN 46173
- TALBOTS [EF] 781-749-7600
175 BEAL STREET,HINGHAM, MA 02043
- U.S. BANK [TU] 888-852-5786
601 2ND AVE SOUTH,MINNEAPOLIS, MN 55402
- US BANK [XP/TU/EF] 800-872-2657
PO BOX 2188,OSHKOSH, WI 54903
- US BANK HOGAN LOC [XP] 800-872-2657
1200 ENERGY PARK DR,ST PAUL, MN 55108
Page: 11/13
-------------------------------------------------------------------
APPLICANT:HUNSICKER PARKER, BETH CA
SSN :303-92-9531
ADDRESS :43 SUMMIT PL, SAINT LOUIS, MO 63119
-------------------------------------------------------------------
- US BANK HOME MORTGAGE [XP] 800-365-7772
,
- US BANK/NA ND [XP] 800-285-8585
4325 17TH AVE SW,FARGO, ND 58125
- US BK HM MTG [TU] 800-365-7772
777 E WISCONSIN,MILWAUKEE WI 53202
- USBANK [EF] 800-872-2657
1850 OSBORN ST VERIFICATION OF DEPOSIT DEPT,OSHKOSH, WI 54902
- USBANKHM [EF] 800-365-7772
4801 FREDERICKA ATTN: CUSTOMER SERVICE,OWENSBORO, KY 42301
- WELLS FARGO HM MORTGAG [XP] 800-262-5294
7495 NEW HORIZON WAY,FREDERICK, MD 21703
- WELLS FARGO HOME MOR [EF] p#800-262-52
4680 HALLMARK PARKWAY X0701-01K,SAN BERNARDINO, CA 92407
- WELLSFARGO [EF] 800-262-5294
3476 STATEVIEW BLVD,FORT MILL SC 29715
- WFHM [MANUAL] 800-262-5294
,
- WFNNB/ARH [EF] 800-262-0180
4590 E BROAD STREET,COLUMBUS, OH 43213

-------------------------------------------------------------------
T R A D E S U M M A R Y
-------------------------------------------------------------------
# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 8 431990 447200 2656 0
AUTO 3 0 0 0 0
EDUCATION 9 0 0 0 0
OTHER INSTALLM 1 0 0 0 0
OPEN 0 0 0 0 0
REVOLVING 23 3136 199400 70 0
OTHER 0 0 0 0 0
TOTAL 44 435126 646600 2726 0

SECURED DEBT 431990 HIGH CREDIT 646600


UNSECURED DEBT 3136 REV CREDIT UTILIZATION 2%
OLDEST TRADE 06/91 TOTAL DEBT/HIGH CREDIT 67%

-------------------------------------------------------------------
D E R O G A T O R Y S U M M A R Y
-------------------------------------------------------------------
CHARGE OFFS 0 30 DAYS 0 INQUIRIES 0
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-19939003
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 48078588 and password AV-19939003 to view the
report. For any inquiries regarding this report or services
provided by CREDIT PLUS 2 please contact us at (800) 258-3488.
Page: 12/13
-------------------------------------------------------------------
APPLICANT:HUNSICKER PARKER, BETH CA
SSN :303-92-9531
ADDRESS :43 SUMMIT PL, SAINT LOUIS, MO 63119
-------------------------------------------------------------------

-------------------------------------------------------------------
D I S C L A I M E R
-------------------------------------------------------------------

An asterisk (*) following the payment amount indicates the


repositories have no payment data and that the amount was
automatically calculated as a percentage of the account balance.

This is a report containing information supplied by the


repositories listed above. The merge process is automated and the
report may include some duplications and/or omissions. Inquiries
regarding any disputed items should be directed to the creditor
reporting the item, or to the appropriate repository service
center(s) listed below.

TRANS UNION EQUIFAX EXPERIAN


PO BOX 1000 PO BOX 740256 PO BOX 2002
CHESTER,PA 19016 ATLANTA,GA 30374 ALLEN,TX 75013
800-916-8800 800-685-1111 888-397-3742
transunion.com/myoptions www.experian.com/reportaccess
www.equifax.com/fcra

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

*** END OF REPORT 4/29/2019 1:27:47 PM ***


Page: 13/13
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

GROUP MORTGAGE LLC REPORT #: 48078588


2803 E HARMONY RD REFERENCE #: 7200008629
FORT COLLINS, CO 80528
9702292513

RETURN SERVICE REQUESTED

BETH CAROLINE HUNSICKER PARKER


43 SUMMIT PL
SAINT LOUIS, MO 63119
=================================================================
YOUR CREDIT SCORE - 818
Source: EXPERIAN Date: 04/29/19
Model: EXPERIAN/FAIR, ISAAC (VER. 2)

=================================================================
UNDERSTANDING YOUR CREDIT SCORE
-----------------------------------------------------------------
What you should know about credit scores:
-----------------------------------------------------------------
Your credit score is a number that reflects the information in
your credit report.

Your credit report is a record of your credit history. It


includes information about whether you pay your bills on time and
how much you owe to creditors.

Your credit score can change, depending on how your credit


history changes.

-----------------------------------------------------------------
How we use your credit score:
-----------------------------------------------------------------
Your credit score can affect whether you can get a loan and how
much you will have to pay for that loan.

-----------------------------------------------------------------
The range of scores:
-----------------------------------------------------------------
Scores range from a low of 300 to a high of 850.

Generally, the higher your score, the more likely you are to be
offered better credit terms.

-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 90 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* NO RECENT REVOLVING BALANCES
* TOO MANY ACCOUNTS RECENTLY OPENED
* TOO MANY ACCOUNTS WITH BALANCES
* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
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

GROUP MORTGAGE LLC REPORT #: 48078588


2803 E HARMONY RD REFERENCE #: 7200008629
FORT COLLINS, CO 80528
9702292513

RETURN SERVICE REQUESTED

TODD LANE PARKER


43 SUMMIT PL
SAINT LOUIS, MO 63119
=================================================================
YOUR CREDIT SCORE - 831
Source: EXPERIAN Date: 04/29/19
Model: EXPERIAN/FAIR, ISAAC (VER. 2)

=================================================================
UNDERSTANDING YOUR CREDIT SCORE
-----------------------------------------------------------------
What you should know about credit scores:
-----------------------------------------------------------------
Your credit score is a number that reflects the information in
your credit report.

Your credit report is a record of your credit history. It


includes information about whether you pay your bills on time and
how much you owe to creditors.

Your credit score can change, depending on how your credit


history changes.

-----------------------------------------------------------------
How we use your credit score:
-----------------------------------------------------------------
Your credit score can affect whether you can get a loan and how
much you will have to pay for that loan.

-----------------------------------------------------------------
The range of scores:
-----------------------------------------------------------------
Scores range from a low of 300 to a high of 850.

Generally, the higher your score, the more likely you are to be
offered better credit terms.

-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 97 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TOO MANY ACCOUNTS RECENTLY OPENED
* TOO MANY ACCOUNTS WITH BALANCES
* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
=================================================================
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

GROUP MORTGAGE LLC REPORT #: 48078588


2803 E HARMONY RD REFERENCE #: 7200008629
FORT COLLINS, CO 80528
9702292513

RETURN SERVICE REQUESTED

BETH CAROLINE HUNSICKER PARKER


43 SUMMIT PL
SAINT LOUIS, MO 63119
=================================================================
YOUR CREDIT SCORE - 807
Source: TRANS UNION Date: 04/29/19
Model: TRANSUNION/FICO CLASSIC (04)

=================================================================
UNDERSTANDING YOUR CREDIT SCORE
-----------------------------------------------------------------
What you should know about credit scores:
-----------------------------------------------------------------
Your credit score is a number that reflects the information in
your credit report.

Your credit report is a record of your credit history. It


includes information about whether you pay your bills on time and
how much you owe to creditors.

Your credit score can change, depending on how your credit


history changes.

-----------------------------------------------------------------
How we use your credit score:
-----------------------------------------------------------------
Your credit score can affect whether you can get a loan and how
much you will have to pay for that loan.

-----------------------------------------------------------------
The range of scores:
-----------------------------------------------------------------
Scores range from a low of 309 to a high of 839.

Generally, the higher your score, the more likely you are to be
offered better credit terms.

-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 90 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
* NUMBER OF ESTABLISHED ACCOUNTS
* TOO MANY ACCOUNTS WITH BALANCES
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

GROUP MORTGAGE LLC REPORT #: 48078588


2803 E HARMONY RD REFERENCE #: 7200008629
FORT COLLINS, CO 80528
9702292513

RETURN SERVICE REQUESTED

TODD LANE PARKER


43 SUMMIT PL
SAINT LOUIS, MO 63119
=================================================================
YOUR CREDIT SCORE - 807
Source: TRANS UNION Date: 04/29/19
Model: TRANSUNION/FICO CLASSIC (04)

=================================================================
UNDERSTANDING YOUR CREDIT SCORE
-----------------------------------------------------------------
What you should know about credit scores:
-----------------------------------------------------------------
Your credit score is a number that reflects the information in
your credit report.

Your credit report is a record of your credit history. It


includes information about whether you pay your bills on time and
how much you owe to creditors.

Your credit score can change, depending on how your credit


history changes.

-----------------------------------------------------------------
How we use your credit score:
-----------------------------------------------------------------
Your credit score can affect whether you can get a loan and how
much you will have to pay for that loan.

-----------------------------------------------------------------
The range of scores:
-----------------------------------------------------------------
Scores range from a low of 309 to a high of 839.

Generally, the higher your score, the more likely you are to be
offered better credit terms.

-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 90 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* 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

GROUP MORTGAGE LLC REPORT #: 48078588


2803 E HARMONY RD REFERENCE #: 7200008629
FORT COLLINS, CO 80528
9702292513

RETURN SERVICE REQUESTED

BETH CAROLINE HUNSICKER PARKER


43 SUMMIT PL
SAINT LOUIS, MO 63119
=================================================================
YOUR CREDIT SCORE - 816
Source: EQUIFAX Date: 04/29/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA

=================================================================
UNDERSTANDING YOUR CREDIT SCORE
-----------------------------------------------------------------
What you should know about credit scores:
-----------------------------------------------------------------
Your credit score is a number that reflects the information in
your credit report.

Your credit report is a record of your credit history. It


includes information about whether you pay your bills on time and
how much you owe to creditors.

Your credit score can change, depending on how your credit


history changes.

-----------------------------------------------------------------
How we use your credit score:
-----------------------------------------------------------------
Your credit score can affect whether you can get a loan and how
much you will have to pay for that loan.

-----------------------------------------------------------------
The range of scores:
-----------------------------------------------------------------
Scores range from a low of 334 to a high of 818.

Generally, the higher your score, the more likely you are to be
offered better credit terms.

-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 98 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* TOO MANY ACCOUNTS WITH BALANCES
* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
=================================================================
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

GROUP MORTGAGE LLC REPORT #: 48078588


2803 E HARMONY RD REFERENCE #: 7200008629
FORT COLLINS, CO 80528
9702292513

RETURN SERVICE REQUESTED

TODD LANE PARKER


43 SUMMIT PL
SAINT LOUIS, MO 63119
=================================================================
YOUR CREDIT SCORE - 816
Source: EQUIFAX Date: 04/29/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA

=================================================================
UNDERSTANDING YOUR CREDIT SCORE
-----------------------------------------------------------------
What you should know about credit scores:
-----------------------------------------------------------------
Your credit score is a number that reflects the information in
your credit report.

Your credit report is a record of your credit history. It


includes information about whether you pay your bills on time and
how much you owe to creditors.

Your credit score can change, depending on how your credit


history changes.

-----------------------------------------------------------------
How we use your credit score:
-----------------------------------------------------------------
Your credit score can affect whether you can get a loan and how
much you will have to pay for that loan.

-----------------------------------------------------------------
The range of scores:
-----------------------------------------------------------------
Scores range from a low of 334 to a high of 818.

Generally, the higher your score, the more likely you are to be
offered better credit terms.

-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 98 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* TOO MANY ACCOUNTS WITH BALANCES
* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
=================================================================
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
GROUP MORTGAGE LLC
2803 E HARMONY RD
FORT COLLINS, CO 80528
9702292513

NOTICE TO THE HOME LOAN APPLICANT


CREDIT SCORE INFORMATION DISCLOSURE

HUNSICKER PARKER, BETH CAROLINE


43 SUMMIT PL
SAINT LOUIS, MO 63119

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
4/29/2019.

Applicant : HUNSICKER PARKER, BETH CAROLINE


Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 816 Range: 334-818
Key Factors affecting the score:
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- TOO MANY ACCOUNTS WITH BALANCES
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Applicant : HUNSICKER PARKER, BETH CAROLINE


Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 807 Range: 309-839
Key Factors affecting the score:
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
- NUMBER OF ESTABLISHED ACCOUNTS
- TOO MANY ACCOUNTS WITH BALANCES

Applicant : HUNSICKER PARKER, BETH CAROLINE


Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 818 Range: 300-850
Key Factors affecting the score:
- NO RECENT REVOLVING BALANCES
- TOO MANY ACCOUNTS RECENTLY OPENED
- TOO MANY ACCOUNTS WITH BALANCES
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Borrower Signature _________________________________________ Date


__________
Page: 2/2
GROUP MORTGAGE LLC
2803 E HARMONY RD
FORT COLLINS, CO 80528
9702292513

NOTICE TO THE HOME LOAN APPLICANT


CREDIT SCORE INFORMATION DISCLOSURE

PARKER, TODD LANE


43 SUMMIT PL
SAINT LOUIS, MO 63119

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
4/29/2019.

Applicant : PARKER, TODD LANE


Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 816 Range: 334-818
Key Factors affecting the score:
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- TOO MANY ACCOUNTS WITH BALANCES
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Applicant : PARKER, TODD LANE


Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 807 Range: 309-839
Key Factors affecting the score:
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
- TOO MANY ACCOUNTS WITH BALANCES

Applicant : PARKER, TODD LANE


Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 831 Range: 300-850
Key Factors affecting the score:
- TOO MANY ACCOUNTS RECENTLY OPENED
- TOO MANY ACCOUNTS WITH BALANCES
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Borrower Signature _________________________________________ Date


__________
Page: 2/2
-------------------------------------------------------------------
APPLICANT:HUNSICKER PARKER, BETH CA CO-APP:PARKER, TODD LANE
SSN :303-92-9531 CO-SSN:358-64-7513
ADDRESS :43 SUMMIT PL, SAINT LOUIS, MO 63119
-------------------------------------------------------------------
S O U R C E O F I N F O R M A T I O N
-------------------------------------------------------------------
1 - EXPERIAN
PARKER BETH HUNSICKER 303929531 DOB: 07/22/78
BETH C HUNSICKER PARKER 303929531 DOB: N/A
BETH C PARKER 303929531 DOB: N/A
BETH HUNSICKER PARKER 303929531 DOB: N/A
BETH HUNSIDELK 303929531 DOB: N/A
303-92-9531
43 SUMMIT PL, WEBSTER GROVES, MO 63119-1623 12/17 -
03/18
117 TIERRA VISTA DR, DURANGO, CO 81301-7783 12/14 -
01/18
3656 RUSSELL BLVD APT B, SAINT LOUIS, MO 63110-3757
08/07 - 11/14
NESTLE PURINA// 11/14
HERSHEY COMPANY//14 CHOCOLATE AVE, HERSHEY PA 02/06

2 - EXPERIAN
TODD L PARKER 358647513 DOB: 07/07/70
L PARKER TODD 358647513 DOB: N/A
TODD L HUNSICKER PARKER 358647513 DOB: N/A
358-64-7513
43 SUMMIT PL, WEBSTER GROVES, MO 63119-1623 12/17 -
03/18
117 TIERRA VISTA DR, DURANGO, CO 81301-7783 12/14 -
01/18
3656 RUSSELL BLVD APT B, SAINT LOUIS, MO 63110-3757
12/13 - 11/14
BUSINESS RESPONSE INC// 09/01
HARDEES OF ROBIN// 06/91

3 - TRANSUNION
BETH CAROLINE HUNSICKER PARKER
HUNSICKER,BETH,CAROLINE
HUNSIDELK,BETH
DOB: 07/22/78
303-92-9531
43 SUMMIT PL, SAINT LOUIS, MO 63119-1623 12/17
3656 RUSSELL BV #B, SAINT LOUIS, MO 63110-3757 09/07
8748 PINE AV, SAINT LOUIS, MO 63144-1818 02/07
NESTLE PURINA//
HERSHEY COMPANY//

4 - TRANSUNION
TODD L PARKER
DOB: 07/07/70
358-64-7513
43 SUMMIT PL, SAINT LOUIS, MO 63119-1623 12/17
Page: 1/13
-------------------------------------------------------------------
APPLICANT:HUNSICKER PARKER, BETH CA
SSN :303-92-9531
ADDRESS :43 SUMMIT PL, SAINT LOUIS, MO 63119
-------------------------------------------------------------------
3656 RUSSELL BV #B, SAINT LOUIS, MO 63110-3757 12/13
4450 BEETHOVEN AV, SAINT LOUIS, MO 63116-1514 08/03
SCHOLASTICS/PROGRAMMMER/
MARITZ/SALES/

5 - EQUIFAX
BETH CAROLINE HUNSICKER PARKER DOB: 07/22/78
BETH HUNSICKER PARKER
BETH C HUNSICKER
303-92-9531
43 SUMMIT PL, SAINT LOUIS, MO 63119 12/17 - 04/19
117 TIERRA VISTA DR, DURANGO, CO 81301 12/14 - 04/19
3656 RUSSELL BLVD APT B, SAINT LOUIS, MO 63110 09/07
- 07/16

6 - EQUIFAX
TODD L PARKER DOB: 07/07/70
358-64-7513
43 SUMMIT PL, SAINT LOUIS, MO 63119 12/17 - 04/19
117 TIERRA VISTA DR, DURANGO, CO 81301 01/15 - 04/18
3656 RUSSELL BLVD APT B, SAINT LOUIS, MO 63110 12/13
- 03/17
HEARTLAND BANK/CONSUM LEND ASST/
CHECKER STATION//
HARDEES OF ROBIN//

-------------------------------------------------------------------
S C O R E M O D E L S
-------------------------------------------------------------------
BETH CAROLINE HUNSICKER PARKER - 303929531
EQUIFAX/FICO CLASSIC V5 FACTA 816
00030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
00005 - TOO MANY ACCOUNTS WITH BALANCES
00014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

BETH CAROLINE HUNSICKER PARKER - 303929531


TRANSUNION/FICO CLASSIC (04) 807
030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
012 - LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
028 - NUMBER OF ESTABLISHED ACCOUNTS
005 - TOO MANY ACCOUNTS WITH BALANCES

BETH C HUNSICKER PARKER - 303929531


EXPERIAN/FAIR, ISAAC (VER. 2) 818
24 - NO RECENT REVOLVING BALANCES
09 - TOO MANY ACCOUNTS RECENTLY OPENED
05 - TOO MANY ACCOUNTS WITH BALANCES
14 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

TODD L PARKER - 358647513


EQUIFAX/FICO CLASSIC V5 FACTA 816
00030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
00005 - TOO MANY ACCOUNTS WITH BALANCES
00014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
Page: 2/13
-------------------------------------------------------------------
APPLICANT:HUNSICKER PARKER, BETH CA
SSN :303-92-9531
ADDRESS :43 SUMMIT PL, SAINT LOUIS, MO 63119
-------------------------------------------------------------------

TODD L PARKER - 358647513


TRANSUNION/FICO CLASSIC (04) 807
030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
012 - LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
011 - AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
005 - TOO MANY ACCOUNTS WITH BALANCES

TODD L PARKER - 358647513


EXPERIAN/FAIR, ISAAC (VER. 2) 831
09 - TOO MANY ACCOUNTS RECENTLY OPENED
05 - TOO MANY ACCOUNTS WITH BALANCES
14 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

-------------------------------------------------------------------
A L E R T
-------------------------------------------------------------------
PARKER BETH HUNSICKER YOB: 1978
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED
TODD L PARKER YOB: 1970
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
-------------------------------------------------------------------
HUNSICKER PARKER, BETH CAROLINE 303-92-9531
REMARK: AVAILABLE AND CLEAR

PARKER, TODD LANE 358-64-7513


REMARK: AVAILABLE AND CLEAR

-------------------------------------------------------------------
A C C O U N T S W I T H B A L A N C E
-------------------------------------------------------------------
E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
-------------------------------------------------------------------
J J DOLLAR BANK FSB 360 03/19 $447200 AS AGREED
3335460 MTG 01/18 $431990 15 0 0 0
03/19 $2656 XP/TU/EF
03/19: CCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST;
Page: 3/13
-------------------------------------------------------------------
APPLICANT:HUNSICKER PARKER, BETH CA
SSN :303-92-9531
ADDRESS :43 SUMMIT PL, SAINT LOUIS, MO 63119
-------------------------------------------------------------------
C J CHASE CARD MIN 04/19 $38000 AS AGREED
414720****** REV 02/18 $2559 14 0 0 0
04/19 $25 XP/TU/EF
04/19: CCCCCCCCCCCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;

C C BANK OF AMERICA MIN 04/19 $13000 AS AGREED


488893******4317 REV 09/02 $468 99 0 0 0
04/19 $25 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

B J CITICARDS CBNA MIN 04/19 $51400 AS AGREED


546616****** REV 04/04 $109 99 0 0 0
12/18 $20 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;

-------------------------------------------------------------------
A C C O U N T S W I T H N O B A L A N C E
-------------------------------------------------------------------
E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
-------------------------------------------------------------------
B B COMENITY BANK/ARHAUS 04/19 $35000 AS AGREED
585637****** REV 11/17 $0 17 0 0 0
02/18 $0 XP/TU/EF
04/19: CCCCCCCCCCCCCCCCC

C J AMEX 06/16 $25000 CLOSED


-34999******49313 REV 09/14 $0 1 0 0 0
05/16 $0 XP/TU/EF
06/16: -
REMARK: PURCHASED BY ANOTHER LENDER;

B B CHASE CARD 10/17 $25000 PAID


441716****** REV 09/96 $0 99 0 0 0
03/15 $0 XP/TU/EF
10/17:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
Page: 4/13
-------------------------------------------------------------------
APPLICANT:HUNSICKER PARKER, BETH CA
SSN :303-92-9531
ADDRESS :43 SUMMIT PL, SAINT LOUIS, MO 63119
-------------------------------------------------------------------
C J CITI 04/19 $25000 AS AGREED
410039******1617 REV 09/14 $0 32 0 0 0
03/19 $0 XP/TU/EF
04/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;

C J CHASE CARD 09/18 $24600 PAID


438857****** REV 05/15 $0 39 0 0 0
07/18 $0 XP/TU/EF
09/18: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER; FLEXIBLE SPENDING CREDIT
CARD;

B B CHASE CARD 09/12 $20000 PAID


414720****** REV 02/11 $0 19 0 0 0
05/12 $0 XP/TU/EF
09/12: -CCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; FLEXIBLE SPENDING
CREDIT CARD;

C C US BANK 03/19 $20000 AS AGREED


435577****** REV 05/14 $0 58 0 0 0
10/17 $0 XP/TU/EF
03/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CHECK CREDIT OR LINE OF CREDIT;

B B NORDSTROM/TD BANK USA 04/19 $12000 AS AGREED


447043******5733 REV 08/12 $0 81 0 0 0
12/18 $0 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

B B SYNCB/TCS 09/18 $7500 PAID


603461******3775 REV 12/17 $0 09 0 0 0
03/18 $0 XP/TU/EF
09/18: -CCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER;

B B AMEX 04/19 $5000 AS AGREED


-34999******98413 REV 01/06 $0 95 0 0 0
--/-- $0 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
Page: 5/13
-------------------------------------------------------------------
APPLICANT:HUNSICKER PARKER, BETH CA
SSN :303-92-9531
ADDRESS :43 SUMMIT PL, SAINT LOUIS, MO 63119
-------------------------------------------------------------------
C C SYNCB/LNNX 06/16 $5000 PAID
603462****** REV 03/06 $0 99 0 0 0
08/06 $0 EF
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;

C C CHASE CARD 05/15 $3000 PAID


426684****** REV 10/13 $0 19 0 0 0
06/14 $0 XP/TU/EF
05/15: -CCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

B J CREDIT FIRST N A 10/18 $2800 PAID


680897*** REV 10/16 $0 26 0 0 0
01/17 $0 XP/TU/EF
10/18: -CCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

C C US BANK HOGAN LOC 05/14 $2500 PAID


-00015******7912 REV 12/06 $0 90 0 0 0
04/14 $0 XP/TU/EF
05/14:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CHECK CREDIT OR LINE OF CREDIT;

B B COMENITY BANK/ANNTYLR 06/14 $1500 PAID


585637****** REV 09/10 $0 46 0 0 0
04/13 $0 XP/TU/EF
06/14: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

B B AMEX DSNB 04/19 $1200 PAID


377481******081 REV 02/07 $0 82 0 0 0
01/16 $0 XP/TU/EF
04/19:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC----CCCCCCCCCCCCCCCCCC--
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;

C C CHASE CARD 11/11 $800 PAID


422765****** REV 06/91 $0 85 0 0 0
02/08 $0 XP/EF
11/11:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;
Page: 6/13
-------------------------------------------------------------------
APPLICANT:HUNSICKER PARKER, BETH CA
SSN :303-92-9531
ADDRESS :43 SUMMIT PL, SAINT LOUIS, MO 63119
-------------------------------------------------------------------
C C DSNB MACYS 04/19 $600 PAID
422944****** REV 09/13 $0 67 0 0 0
08/14 $0 XP/TU/EF
04/19:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC---CCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;

B B TALBOTS 02/13 $500 PAID


990911** REV 09/98 $0 55 0 0 0
--/-- $0 EF
REMARK: ACCOUNT TRANSFERRED OR SOLD;

C C AHF 60 05/15 $18854 PAID


134032537 AUTO 12/10 $0 53 0 0 0
02/15 $0 XP/TU/EF
03/15: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FIXED RATE;

C C BK OF AMER 360 05/13 $111395 PAID


197237569 MTG 02/09 $0 51 0 0 0
05/13 $0 XP/TU/EF
05/13: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: TRANSFERRED TO ANOTHER LENDER; FHA REAL ESTATE LOAN;

J J BUSEY BANK 360 03/18 $447200 PAID


351996230000000010 MTG 12/17 $0 4 0 0 0
01/18 $0 XP/TU/EF
03/18: -CCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST;

B B CAP1/BSTBY 07/09 $0 PAID


169601******40682 REV 09/02 $0 82 0 0 0
01/04 $0 EF
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

C C CITIZENS BANK NA 060 12/10 $16138 PAID


2720173513 AUTO 04/07 $0 45 0 0 0
12/10 $0 XP/TU/EF
12/10: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

C C CLC 240 01/18 $22343 PAID


-P068129641 EDU 07/03 $0 99 0 0 0
11/17 $0 XP/TU/EF
01/18:
-CCC-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT TRANSFERRED OR SOLD;
Page: 7/13
-------------------------------------------------------------------
APPLICANT:HUNSICKER PARKER, BETH CA
SSN :303-92-9531
ADDRESS :43 SUMMIT PL, SAINT LOUIS, MO 63119
-------------------------------------------------------------------
B B FIRSTMARK/IDAPP 240 03/15 $35500 PAID
1007944 EDU 08/03 $0 20 0 0 0
02/15 $0 XP/TU/EF
03/15: -CCCCCCCCCCCCCCCCCCC

B B FIRSTMARK/IDAPP 240 03/15 $39500 PAID


1007988 EDU 08/04 $0 20 0 0 0
02/15 $0 XP/TU/EF
03/15: -CCCCCCCCCCCCCCCCCCC

B B IDAPP 240 11/12 $5284 PAID


*********41535C EDU 12/04 $0 41 0 0 0
10/12 $0 TU/EF
10/12: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

B B IL DESIGNATE 240 04/13 $41965 PAID


*********41535B EDU 08/04 $0 46 0 0 0
04/13 $0 TU/EF
04/13: C-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: PURCHASED BY ANOTHER LENDER; COLLATERAL: SLDTO ANOTHER
LENDER;

B B IL DESIGNATE 240 04/13 $39289 PAID


*********41535A EDU 08/03 $0 46 0 0 0
04/13 $0 TU/EF
04/13: C-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: PURCHASED BY ANOTHER LENDER; COLLATERAL: SLDTO ANOTHER
LENDER;

B B NAVIENT 360 02/18 $37576 PAID


92414766741000220051205DU 12/05 $0 99 0 0 0
01/18 $0 XP/TU/EF
02/18:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FIXED RATE;

C C NELNET LNS 240 12/17 $19451 PAID


172047519 EDU 07/03 $0 1 0 0 0
12/17 $0 XP/TU/EF
12/17: -

C C NELNET LNS 240 12/17 $2891 PAID


172047619 EDU 07/03 $0 1 0 0 0
12/17 $0 XP/TU/EF
12/17: -
Page: 8/13
-------------------------------------------------------------------
APPLICANT:HUNSICKER PARKER, BETH CA
SSN :303-92-9531
ADDRESS :43 SUMMIT PL, SAINT LOUIS, MO 63119
-------------------------------------------------------------------
M J NISSAN MOTOR ACCEPTANC060 03/17 $24902 PAID
102453948790001 AUTO 11/14 $0 29 0 0 0
03/17 $0 XP/TU/EF
03/17: -CCCCCCCCCCCCCCCCCCCCCCCCCCCC

C C NTONSTMRCO 360 12/13 $111395 PAID


604654194 MTG 06/13 $0 - - -
06/13 $0 XP/TU/EF
06/13: -
REMARK: REAL ESTATE MORTGAGE; FIXED RATE;

C C US BANK 060 07/14 $20050 PAID


513825251 INST 10/13 $0 10 0 0 0
06/14 $0 XP/TU/EF
07/14: -CCCCCCCCC

C C US BANK HOME MORTGAGE 360 02/17 $105544 PAID


5156800718599 MTG 06/13 $0 42 0 0 0
02/17 $0 XP/TU/EF
02/17: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FHA REAL ESTATE LOAN;

B B WELLS FARGO HM MORTGAG360 03/15 $281205 PAID


7080308337708 MTG 09/10 $0 51 0 0 0
02/15 $0 XP/TU/EF
03/15: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST; FREDDIE MAC ACCOUNT;

B B WELLS FARGO HM MORTGAG360 10/10 $292500 PAID


7080171782816 MTG 08/07 $0 38 0 0 0
09/10 $0 XP/TU/EF
10/10: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST; FREDDIE MAC ACCOUNT;

J J WFHM 360 01/18 $377910 PAID


9360427529243 MTG 12/14 $0 33 0 0 0
12/17 $0 XP/TU/EF
01/18: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FANNIE MAE ACCOUNT; VARIABLE/ADJUSTABLE RATE;

-------------------------------------------------------------------
P U B L I C R E C O R D S
-------------------------------------------------------------------
*** NO RECORD FOUND ***
Page: 9/13
-------------------------------------------------------------------
APPLICANT:HUNSICKER PARKER, BETH CA
SSN :303-92-9531
ADDRESS :43 SUMMIT PL, SAINT LOUIS, MO 63119
-------------------------------------------------------------------
-------------------------------------------------------------------
I N Q U I R I E S ( L A S T 1 2 0 D A Y S )
-------------------------------------------------------------------
*** NO RECORD FOUND ***

-------------------------------------------------------------------
C R E D I T O R S
-------------------------------------------------------------------
- ACS/CLC [TU] 800-835-4611
C/O ACS 501 BLEEKER STREET,UTICA, NY 13501
- ACS/COLLEGE LOAN CORP [XP/EF] 315-738-2200
501 BLEECKER ST,UTICA, NY 13501
- AHF [EF] 972-929-1566
3625 W ROYAL LANE,IRVING TX 75063
- AMER HONDA [TU] 800-533-0580
3625 WEST ROYAL LANE SUITE 100,IRVING, TX 75063
- AMERICAN EXPRESS [EF] 800-528-4800
P.O. BOX 7871,FORT LAUDERDALE, FL 33329
- AMERICAN HONDA FINANCE [XP] 214-277-5200
3625 W ROYAL LN STE 100,IRVING, TX 75063
- AMEX DSNB [TU] 800-243-6552
PO BOX 8218,MASON, OH 45040
- amex/dsnb [EF] 800-956-6229
,
- AMEXDSNB [XP] 800-659-6229
,
- bank of america [XP] 800-759-6262
,
- BANK OF AMERICA [EF] 800-759-6262
400 CHRISTIANA RD,NEWARK, DE 19713
- BANK OF AMERICA, N.A. [XP] 800-669-6607
400 COUNTRYWIDE WAY,SIMI VALLEY, CA 93065
- BK OF AMER [TU] 800-669-6607
,
- BUSEY BANK [XP/TU] 217-351-6500
PO BOX 489,URBANA, IL 61803
- BUSEY BK [EF] 217-384-4570
201 W MAIN ST,URBANA, IL 61801
- CENTEX [EF] 888-480-2432
PO BOX 199111,DALLAS TX 75235
- CHASE [XP/TU/EF] 800-955-9900
201 N WALNUT ST,WILMINGTON, DE 19801
- CHASE BP [EF] 800-477-6761
225 CHASTAIN MEADOWS COURT,KENNESAW, GA 30144
- CITI [XP/TU/EF] 855-378-6467
PO BOX 6190,SIOUX FALLS, SD 57117
- CITI CARDS CBSDNA [TU] 800-843-0777
POB 6241,SIOUX FALLS, SD 57117
- CITIZENCAF [EF] 401-456-7000
INC,WARWICK RI 02886
- CITIZENS CAF [XP/TU] 800-610-7300
480 JEFFERSON BLVD,WARWICK, RI 02886
- COMENITY BANK/ANNTYLR [XP/EF] 866-730-7902
PO BOX 182273,COLUMBUS, OH 43218
Page: 10/13
-------------------------------------------------------------------
APPLICANT:HUNSICKER PARKER, BETH CA
SSN :303-92-9531
ADDRESS :43 SUMMIT PL, SAINT LOUIS, MO 63119
-------------------------------------------------------------------
- COMENITY BANK/ARHAUS [XP/TU] 888-245-4064
PO BOX 182789,COLUMBUS, OH 43218
- CRDT FIRST [TU/EF] 216-362-5000
POB 81315,CLEVELAND, OH 44181
- CREDIT FIRST N A [XP] 800-321-3950
6275 EASTLAND RD,BROOK PARK, OH 44142
- Credit Plus [TU] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- GEMB/LENN [EF] 866-396-8254
,
- guild mortgage [EF]
450 AMERICAN ST,SIMI VALLEY CA 93065
- HSBC/BSTBY [EF] 800-365-0292
1405 FOULK ROAD,WILMINGTON, DE 19808
- IL DESIGNATE [TU] 847-948-8620
1755 LAKE COOK RD,DEERFIELD, IL 60015
- MACY'S/DSNB [EF] 866-593-2543
911 DUKE BLVD,MASON, OH 45040
- MBNA AMERICA [TU] 800-421-2110
PO BOX 17054,WILMINGTON DE 19884
- MCYDSNB [XP] 800-956-6229
,
- MTG SERV CTR [TU] 800-421-8059
PO BOX 8469,CANTON, OH 44711
- MTG SVC CN [EF] 330-455-5600
217 2ND STREET NW,CANTON, OH 44702
- NATIONSTAR [TU] 866-316-2432
350 HIGHLAND,HOUSTON, TX 77067
- NATIONSTAR MORTGAGE LLC [XP] 888-480-2432
2828 N HARWOOD ST,DALLAS TX 75201
- NAVIENT [XP] 888-272-5543
123 S JUSTISON ST,WILMINGTON, DE 19801
- NELNET LNS [XP/TU] 888-486-4722
PO BOX 1649,DENVER CO 80201
- NELNET LOAN SERVICES [EF] 888-486-4722
3015 S. PARKER RD, STE 425,AURORA, CO 80014
- NISSAN MOTOR [TU] 800-777-6116
POB 660366,DALLAS TX 75266
- NISSAN MOTOR ACCEPTANC [XP/EF] 800-950-6622
PO BOX 660360,DALLAS TX 75266
- NORDSTM/TD [TU] 800-964-1800
PO BOX 13589,SCOTTSDALE, AZ 85267
- NORDSTROM/TD BANK USA [XP] 800-964-1800
13531 E CALEY AVE,ENGLEWOOD, CO 80111
- NW RUSHVILLLE [XP] (219) 461-66
1541 NORTH MAIN STREET,RUSHVILLE IN 46173
- TALBOTS [EF] 781-749-7600
175 BEAL STREET,HINGHAM, MA 02043
- U.S. BANK [TU] 888-852-5786
601 2ND AVE SOUTH,MINNEAPOLIS, MN 55402
- US BANK [XP/TU/EF] 800-872-2657
PO BOX 2188,OSHKOSH, WI 54903
- US BANK HOGAN LOC [XP] 800-872-2657
1200 ENERGY PARK DR,ST PAUL, MN 55108
Page: 11/13
-------------------------------------------------------------------
APPLICANT:HUNSICKER PARKER, BETH CA
SSN :303-92-9531
ADDRESS :43 SUMMIT PL, SAINT LOUIS, MO 63119
-------------------------------------------------------------------
- US BANK HOME MORTGAGE [XP] 800-365-7772
,
- US BANK/NA ND [XP] 800-285-8585
4325 17TH AVE SW,FARGO, ND 58125
- US BK HM MTG [TU] 800-365-7772
777 E WISCONSIN,MILWAUKEE WI 53202
- USBANK [EF] 800-872-2657
1850 OSBORN ST VERIFICATION OF DEPOSIT DEPT,OSHKOSH, WI 54902
- USBANKHM [EF] 800-365-7772
4801 FREDERICKA ATTN: CUSTOMER SERVICE,OWENSBORO, KY 42301
- WELLS FARGO HM MORTGAG [XP] 800-262-5294
7495 NEW HORIZON WAY,FREDERICK, MD 21703
- WELLS FARGO HOME MOR [EF] p#800-262-52
4680 HALLMARK PARKWAY X0701-01K,SAN BERNARDINO, CA 92407
- WELLSFARGO [EF] 800-262-5294
3476 STATEVIEW BLVD,FORT MILL SC 29715
- WFHM [MANUAL] 800-262-5294
,
- WFNNB/ARH [EF] 800-262-0180
4590 E BROAD STREET,COLUMBUS, OH 43213

-------------------------------------------------------------------
T R A D E S U M M A R Y
-------------------------------------------------------------------
# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 8 431990 447200 2656 0
AUTO 3 0 0 0 0
EDUCATION 9 0 0 0 0
OTHER INSTALLM 1 0 0 0 0
OPEN 0 0 0 0 0
REVOLVING 23 3136 199400 70 0
OTHER 0 0 0 0 0
TOTAL 44 435126 646600 2726 0

SECURED DEBT 431990 HIGH CREDIT 646600


UNSECURED DEBT 3136 REV CREDIT UTILIZATION 2%
OLDEST TRADE 06/91 TOTAL DEBT/HIGH CREDIT 67%

-------------------------------------------------------------------
D E R O G A T O R Y S U M M A R Y
-------------------------------------------------------------------
CHARGE OFFS 0 30 DAYS 0 INQUIRIES 0
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-19939003
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 48078588 and password AV-19939003 to view the
report. For any inquiries regarding this report or services
provided by CREDIT PLUS 2 please contact us at (800) 258-3488.
Page: 12/13
-------------------------------------------------------------------
APPLICANT:HUNSICKER PARKER, BETH CA
SSN :303-92-9531
ADDRESS :43 SUMMIT PL, SAINT LOUIS, MO 63119
-------------------------------------------------------------------

-------------------------------------------------------------------
D I S C L A I M E R
-------------------------------------------------------------------

An asterisk (*) following the payment amount indicates the


repositories have no payment data and that the amount was
automatically calculated as a percentage of the account balance.

This is a report containing information supplied by the


repositories listed above. The merge process is automated and the
report may include some duplications and/or omissions. Inquiries
regarding any disputed items should be directed to the creditor
reporting the item, or to the appropriate repository service
center(s) listed below.

TRANS UNION EQUIFAX EXPERIAN


PO BOX 1000 PO BOX 740256 PO BOX 2002
CHESTER,PA 19016 ATLANTA,GA 30374 ALLEN,TX 75013
800-916-8800 800-685-1111 888-397-3742
transunion.com/myoptions www.experian.com/reportaccess
www.equifax.com/fcra

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

*** END OF REPORT 4/29/2019 1:27:47 PM ***


Page: 13/13
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

GROUP MORTGAGE LLC REPORT #: 48078588


2803 E HARMONY RD REFERENCE #: 7200008629
FORT COLLINS, CO 80528
9702292513

RETURN SERVICE REQUESTED

BETH CAROLINE HUNSICKER PARKER


43 SUMMIT PL
SAINT LOUIS, MO 63119
=================================================================
YOUR CREDIT SCORE - 818
Source: EXPERIAN Date: 04/29/19
Model: EXPERIAN/FAIR, ISAAC (VER. 2)

=================================================================
UNDERSTANDING YOUR CREDIT SCORE
-----------------------------------------------------------------
What you should know about credit scores:
-----------------------------------------------------------------
Your credit score is a number that reflects the information in
your credit report.

Your credit report is a record of your credit history. It


includes information about whether you pay your bills on time and
how much you owe to creditors.

Your credit score can change, depending on how your credit


history changes.

-----------------------------------------------------------------
How we use your credit score:
-----------------------------------------------------------------
Your credit score can affect whether you can get a loan and how
much you will have to pay for that loan.

-----------------------------------------------------------------
The range of scores:
-----------------------------------------------------------------
Scores range from a low of 300 to a high of 850.

Generally, the higher your score, the more likely you are to be
offered better credit terms.

-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 90 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* NO RECENT REVOLVING BALANCES
* TOO MANY ACCOUNTS RECENTLY OPENED
* TOO MANY ACCOUNTS WITH BALANCES
* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
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

GROUP MORTGAGE LLC REPORT #: 48078588


2803 E HARMONY RD REFERENCE #: 7200008629
FORT COLLINS, CO 80528
9702292513

RETURN SERVICE REQUESTED

TODD LANE PARKER


43 SUMMIT PL
SAINT LOUIS, MO 63119
=================================================================
YOUR CREDIT SCORE - 831
Source: EXPERIAN Date: 04/29/19
Model: EXPERIAN/FAIR, ISAAC (VER. 2)

=================================================================
UNDERSTANDING YOUR CREDIT SCORE
-----------------------------------------------------------------
What you should know about credit scores:
-----------------------------------------------------------------
Your credit score is a number that reflects the information in
your credit report.

Your credit report is a record of your credit history. It


includes information about whether you pay your bills on time and
how much you owe to creditors.

Your credit score can change, depending on how your credit


history changes.

-----------------------------------------------------------------
How we use your credit score:
-----------------------------------------------------------------
Your credit score can affect whether you can get a loan and how
much you will have to pay for that loan.

-----------------------------------------------------------------
The range of scores:
-----------------------------------------------------------------
Scores range from a low of 300 to a high of 850.

Generally, the higher your score, the more likely you are to be
offered better credit terms.

-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 97 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TOO MANY ACCOUNTS RECENTLY OPENED
* TOO MANY ACCOUNTS WITH BALANCES
* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
=================================================================
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

GROUP MORTGAGE LLC REPORT #: 48078588


2803 E HARMONY RD REFERENCE #: 7200008629
FORT COLLINS, CO 80528
9702292513

RETURN SERVICE REQUESTED

BETH CAROLINE HUNSICKER PARKER


43 SUMMIT PL
SAINT LOUIS, MO 63119
=================================================================
YOUR CREDIT SCORE - 807
Source: TRANS UNION Date: 04/29/19
Model: TRANSUNION/FICO CLASSIC (04)

=================================================================
UNDERSTANDING YOUR CREDIT SCORE
-----------------------------------------------------------------
What you should know about credit scores:
-----------------------------------------------------------------
Your credit score is a number that reflects the information in
your credit report.

Your credit report is a record of your credit history. It


includes information about whether you pay your bills on time and
how much you owe to creditors.

Your credit score can change, depending on how your credit


history changes.

-----------------------------------------------------------------
How we use your credit score:
-----------------------------------------------------------------
Your credit score can affect whether you can get a loan and how
much you will have to pay for that loan.

-----------------------------------------------------------------
The range of scores:
-----------------------------------------------------------------
Scores range from a low of 309 to a high of 839.

Generally, the higher your score, the more likely you are to be
offered better credit terms.

-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 90 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
* NUMBER OF ESTABLISHED ACCOUNTS
* TOO MANY ACCOUNTS WITH BALANCES
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

GROUP MORTGAGE LLC REPORT #: 48078588


2803 E HARMONY RD REFERENCE #: 7200008629
FORT COLLINS, CO 80528
9702292513

RETURN SERVICE REQUESTED

TODD LANE PARKER


43 SUMMIT PL
SAINT LOUIS, MO 63119
=================================================================
YOUR CREDIT SCORE - 807
Source: TRANS UNION Date: 04/29/19
Model: TRANSUNION/FICO CLASSIC (04)

=================================================================
UNDERSTANDING YOUR CREDIT SCORE
-----------------------------------------------------------------
What you should know about credit scores:
-----------------------------------------------------------------
Your credit score is a number that reflects the information in
your credit report.

Your credit report is a record of your credit history. It


includes information about whether you pay your bills on time and
how much you owe to creditors.

Your credit score can change, depending on how your credit


history changes.

-----------------------------------------------------------------
How we use your credit score:
-----------------------------------------------------------------
Your credit score can affect whether you can get a loan and how
much you will have to pay for that loan.

-----------------------------------------------------------------
The range of scores:
-----------------------------------------------------------------
Scores range from a low of 309 to a high of 839.

Generally, the higher your score, the more likely you are to be
offered better credit terms.

-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 90 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* 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

GROUP MORTGAGE LLC REPORT #: 48078588


2803 E HARMONY RD REFERENCE #: 7200008629
FORT COLLINS, CO 80528
9702292513

RETURN SERVICE REQUESTED

BETH CAROLINE HUNSICKER PARKER


43 SUMMIT PL
SAINT LOUIS, MO 63119
=================================================================
YOUR CREDIT SCORE - 816
Source: EQUIFAX Date: 04/29/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA

=================================================================
UNDERSTANDING YOUR CREDIT SCORE
-----------------------------------------------------------------
What you should know about credit scores:
-----------------------------------------------------------------
Your credit score is a number that reflects the information in
your credit report.

Your credit report is a record of your credit history. It


includes information about whether you pay your bills on time and
how much you owe to creditors.

Your credit score can change, depending on how your credit


history changes.

-----------------------------------------------------------------
How we use your credit score:
-----------------------------------------------------------------
Your credit score can affect whether you can get a loan and how
much you will have to pay for that loan.

-----------------------------------------------------------------
The range of scores:
-----------------------------------------------------------------
Scores range from a low of 334 to a high of 818.

Generally, the higher your score, the more likely you are to be
offered better credit terms.

-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 98 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* TOO MANY ACCOUNTS WITH BALANCES
* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
=================================================================
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

GROUP MORTGAGE LLC REPORT #: 48078588


2803 E HARMONY RD REFERENCE #: 7200008629
FORT COLLINS, CO 80528
9702292513

RETURN SERVICE REQUESTED

TODD LANE PARKER


43 SUMMIT PL
SAINT LOUIS, MO 63119
=================================================================
YOUR CREDIT SCORE - 816
Source: EQUIFAX Date: 04/29/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA

=================================================================
UNDERSTANDING YOUR CREDIT SCORE
-----------------------------------------------------------------
What you should know about credit scores:
-----------------------------------------------------------------
Your credit score is a number that reflects the information in
your credit report.

Your credit report is a record of your credit history. It


includes information about whether you pay your bills on time and
how much you owe to creditors.

Your credit score can change, depending on how your credit


history changes.

-----------------------------------------------------------------
How we use your credit score:
-----------------------------------------------------------------
Your credit score can affect whether you can get a loan and how
much you will have to pay for that loan.

-----------------------------------------------------------------
The range of scores:
-----------------------------------------------------------------
Scores range from a low of 334 to a high of 818.

Generally, the higher your score, the more likely you are to be
offered better credit terms.

-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 98 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* TOO MANY ACCOUNTS WITH BALANCES
* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
=================================================================
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
GROUP MORTGAGE LLC
2803 E HARMONY RD
FORT COLLINS, CO 80528
9702292513

NOTICE TO THE HOME LOAN APPLICANT


CREDIT SCORE INFORMATION DISCLOSURE

HUNSICKER PARKER, BETH CAROLINE


43 SUMMIT PL
SAINT LOUIS, MO 63119

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
4/29/2019.

Applicant : HUNSICKER PARKER, BETH CAROLINE


Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 816 Range: 334-818
Key Factors affecting the score:
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- TOO MANY ACCOUNTS WITH BALANCES
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Applicant : HUNSICKER PARKER, BETH CAROLINE


Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 807 Range: 309-839
Key Factors affecting the score:
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
- NUMBER OF ESTABLISHED ACCOUNTS
- TOO MANY ACCOUNTS WITH BALANCES

Applicant : HUNSICKER PARKER, BETH CAROLINE


Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 818 Range: 300-850
Key Factors affecting the score:
- NO RECENT REVOLVING BALANCES
- TOO MANY ACCOUNTS RECENTLY OPENED
- TOO MANY ACCOUNTS WITH BALANCES
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Borrower Signature _________________________________________ Date


__________
Page: 2/2
GROUP MORTGAGE LLC
2803 E HARMONY RD
FORT COLLINS, CO 80528
9702292513

NOTICE TO THE HOME LOAN APPLICANT


CREDIT SCORE INFORMATION DISCLOSURE

PARKER, TODD LANE


43 SUMMIT PL
SAINT LOUIS, MO 63119

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
4/29/2019.

Applicant : PARKER, TODD LANE


Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 816 Range: 334-818
Key Factors affecting the score:
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- TOO MANY ACCOUNTS WITH BALANCES
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Applicant : PARKER, TODD LANE


Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 807 Range: 309-839
Key Factors affecting the score:
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
- TOO MANY ACCOUNTS WITH BALANCES

Applicant : PARKER, TODD LANE


Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 831 Range: 300-850
Key Factors affecting the score:
- TOO MANY ACCOUNTS RECENTLY OPENED
- TOO MANY ACCOUNTS WITH BALANCES
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Borrower Signature _________________________________________ Date


__________
Page: 2/2

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