Phils Credit Report-1

Potential Score Improvement
File#: 7030553
Date: 7/31/2013
Company: RESIDENTIAL HOME FUNDING #101 -
BAYSHORE, NY
Applicant: PHILIP SPARACINO
Experian TransUnion Equifax
Bureau Scores 711 645 667
Potential Score
+3 +12 0
Improvement
Credit Analyzer Module Rapid Rescore Rapid Rescore Rapid Rescore
Credit Assure TM
Credit AssureTM searches for inaccurate information (i.e.,
incorrect, outdated, or missing data). It also seeks for the best
combination of pay downs, balance transfers, and other
activities through credit management scans so that you don't
overlook the opportunities to raise a borrower's credit score.
CreditXpert(R) products are based on information derived from credit reports produced by the major credit reporting agencies. CreditXpert Inc. is not responsible for
inaccurate results, including any due to incorrect, missing, or outdated credit report information. Score changes predicted by CreditXpert products are only estimates
and are not guaranteed. CreditXpert Inc. does not represent that CreditXpert Credit ScoresTM are identical or similar to credit scores produced by any other company.
CreditXpert Inc. is not associated with Fair Isaac Corporation. CreditXpert Inc. is not a credit counseling or a credit repair organization.
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CIS Information Services Tel 800-275-7722
Panther Valley Village Square Fax 800-275-8049
P.O. Box 5000
Allamuchy, NJ 07820
CREDIT REPORT
FILE # 7030553 REISSUE # REPORT DATE 7/31/2013 RQD’ AMADOR SANTIAGO, JR.
PREPARED FOR RESIDENTIAL HOME FUNDING #101 DATE ORDERED 7/31/2013
520 N. STATE ROAD REPOSITORIES XP/TU/EF
BRIARCLIFF MANOR, NY 10510 LOAN # PRICE $9.50
BORROWER CO-BORROWER
BORROWER SPARACINO, PHILIP CO-BORROWER
SOC SEC # 115-70-1543 AGE 05/28/1970 SOC SEC # AGE
STREET 123 NE ROYCE AVENUE YEARS AT ADDR.
CITY, STATE, ZIP PORT SAINT LUCIE, FL 34983 MARITAL STATUS # OF DEP.
EMPLOYMENT INFORMATION
EMPLOYER EMPLOYER
POSITION POSITION
SINCE INCOME SINCE INCOME
VERIFIED BY - VERIFIED BY -
E W HISTORICAL STATUS
H DATE
C REPORTED BALANCE PAST DUE TIME PAST DUE PRESENT STATUS
O O CREDITOR DATE
OPENED HIGH CREDIT
AMOUNT
MOS
A S
DLA TERMS REV 30-59 60-89 90 + SOURCE
E
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S C O R E M O D E L S
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3 PHILIP SPARACINO JR - 115701543
EQUIFAX/BEACON 5.0 667
00038 - SERIOUS DELINQUENCY, AND DEROGATORY PUBLIC RECORD OR COLLECTION FILED
00020 - LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION IS TOO SHORT
00013 - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
00006 - TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS
_______________________________________________________________________________________
2 PHILIP A SPARACINO JR - 115701543

TRANSUNION/FICO CLASSIC (04) 645
038 - SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED
020 - LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION IS TOO SHORT
021 - AMOUNT PAST DUE ON ACCOUNTS
013 - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
_______________________________________________________________________________________
1 PHILIP SPARACINO - 115701543

EXPERIAN/FAIR, ISAAC (VER. 2) 711
39 - SERIOUS DELINQUENCY
21 - AMOUNT PAST DUE ON ACCOUNTS
10 - PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL REVOLVING ACCOUNTS
02 - LEVEL OF DELINQUENCY ON ACCOUNTS
08 - TOO MANY INQUIRIES LAST 12 MONTHS
_______________________________________________________________________________________
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C R E D I T
=======================================================================================
J B WELLS FARGO HM MOR 07/13 03/95 $113300 $69672 $0 99 0 0 0 AS AGREED
6853967646 06/13 MTG 360 $1320 XP/TU/EF
CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY FIRST; FREDDIE MAC
ACCOUNT
_______________________________________________________________________________________
J B CAP1/POLRS 07/13 09/02 $15000 $6352 $0 99 0 0 0 AS AGREED

420601-1100364618 07/13 REV MIN $154 XP/TU/EF
_______________________________________________________________________________________
B B ALLY FINANCIAL 07/13 11/07 $49069 $4041 $0 69 0 0 0 AS AGREED

029912184815 06/13 AUTO 072 $836 XP/TU/EF
_______________________________________________________________________________________
B B CITI 07/13 07/94 $17990 $2421 $0 99 0 0 0 AS AGREED

542418119411 07/13 REV MIN $122 XP/TU/EF
SUBSCRIBER REPORTS DISPUTE RESOLVED-CONSUMER DISAGREES
_______________________________________________________________________________________
B B MARKS & MORGAN JEW 07/13 05/09 $7650 $1935 $0 51 0 0 0 AS AGREED

3108309950 07/13 REV MIN $150 XP/TU/EF
_______________________________________________________________________________________
ECOA KEY: B=BORROWER; C=CO-BORROWER; S=SHARED; J=JOINT; U=UNDESIGNATED; A=AUTHORIZED USER

The reporting bureau certifies that the information in all Residential Mortgage Credit Reports complies with the requirements of FNMA, Freddie Mac, FHA, VA, and HLMC. The information is confidential and not to be divulged except
as required by PUBLIC LAW 91-508, 93-579, 94-239. Page 1/6
P.O. Box 5000
Allamuchy, NJ 07820
CREDIT REPORT
H DATE
O CREDITOR OPENED HIGH CREDIT MOS
O DATE AMOUNT
A S
E
J B ALLY FINANCIAL 07/13 09/09 $25968 $1015 $0 45 0 0 0 AS AGREED

029913629567 06/13 AUTO 048 $541 XP/TU/EF
AUTO LEASE
_______________________________________________________________________________________
B B EXXMBLCITI 07/13 06/93 $1310 $987 $0 76 0 0 0 AS AGREED

7302820283534700 06/13 REV MIN $30 XP/TU/EF
_______________________________________________________________________________________
B B CAP ONE 07/13 10/02 $2250 $837 $0 99 0 0 0 AS AGREED

517805225747 07/13 REV MIN $25 XP/TU/EF
_______________________________________________________________________________________
A B CHASE-BP 07/13 10/02 $1200 $135 $0 99 0 0 0 AS AGREED

422765101100 07/13 REV $25 XP/EF
AUTHORIZED USER
_______________________________________________________________________________________
JB G M A C 12/09 09/06 $26697 $0 $0 39 0 0 0 PAID

029909195433 09/09 AUTO 039 $0 XP/TU/EF
AUTO LEASE
_______________________________________________________________________________________
J B GECFI/LENDING INC 04/11 08/00 $40975 $0 $0 74 3 0 0 DELINQ 30

9001490535 04/11 INST 180 $0 XP/TU/EF
Late Dates: 3/11-30, 2/11-30
PURCHASED BY ANOTHER LENDER; RECREATIONAL MERCHANDISE; ACCOUNT CLOSED
_______________________________________________________________________________________
B B GECRB/CITY FURNITU 07/13 02/08 $4000 $0 $0 66 0 0 0 AS AGREED

601919020769 03/12 REV $0 XP/TU/EF
_______________________________________________________________________________________
B B GECRB/HOME DSN OUT 07/13 07/07 $7200 $0 $0 72 0 0 0 AS AGREED

603462261616 08/12 REV $0 XP/TU/EF
_______________________________________________________________________________________
J B GMAC 04/07 12/03 $27876 $0 $0 40 0 0 0 PAID

029904347711 02/07 AUTO 060 $0 XP/TU/EF
_______________________________________________________________________________________
B B LEASCOMM 10/06 06/02 $3417 $0 $0 51 0 0 0 PAID

25114364511436B 08/06 INST $0 EF
_______________________________________________________________________________________
B B LEASECOMM 10/06 06/02 $3417 $0 $0 52 0 0 0 PAID

25114364511436B OPEN 059 $0 XP
RESIDENTIAL RENTAL
_______________________________________________________________________________________
P B ONYX ACCEP 09/03 08/97 $21752 $0 $0 73 0 0 0 PAID

1056000841 AUTO 072 $0 XP
_______________________________________________________________________________________
P B REGION/AMS 04/05 08/00 $40975 $0 $0 56 0 0 0 PAID

000607160000000090 03/05 INST 180 $0 XP
RECREATIONAL MERCHANDISE; TRANSFERRED TO ANOTHER LENDER
_______________________________________________________________________________________
B B SNAP-ON CREDIT LLC 01/12 12/95 $12383 $0 $0 99 0 0 0 PAID

102484342 01/12 INST 042 $0 XP/TU/EF
SECURED LOAN
_______________________________________________________________________________________

as required by PUBLIC LAW 91-508, 93-579, 94-239.
Page 2/6
P.O. Box 5000
Allamuchy, NJ 07820
CREDIT REPORT
H DATE
O DATE AMOUNT
A S
E
J B TDBNKNORTH 08/06 05/02 $30000 $0 $0 32 0 0 0 PAID

97053854571 07/06 MTG 007 $0 XP/TU/EF
REAL ESTATE MORTGAGE
_______________________________________________________________________________________
J B WFDS/WDS 09/07 08/01 $31138 $0 $0 74 0 0 0 PAID

517655035834 09/07 AUTO 072 $0 XP/TU/EF
_______________________________________________________________________________________
B B WFFNATBANK 09/09 02/08 $0 $0 $0 1 0 0 0 PAID

5774421120787404 REV $0 XP/TU/EF
ACCOUNT CLOSED AT CREDIT GRANTOR'S REQUEST
_______________________________________________________________________________________
B B WFFNATBANK 07/13 10/12 $4300 $0 $0 10 0 0 0 AS AGREED

4705000341406130 04/13 REV $0 XP/TU/EF
_______________________________________________________________________________________
B B ALLIED LEAS 04/07 02/03 $2752 - $0 33 0 0 0 AS AGREED

12306673 INST 46 $54 TU
_______________________________________________________________________________________
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C O L L E C T I O N A C C O U N T S
=======================================================================================
J B SANTANDER CONSUMER 06/13 08/00 $40975 $11678 $11218 27 0 0 0 CHARGE OFF
30000149983841000 06/11 INST 180 $459 XP/TU/EF
RECREATIONAL MERCHANDISE
_______________________________________________________________________________________
B B ACCT RECOV 05/12 02/12 $240 $140 $140 - - - COLLECTION

1120590102 06/11 COLL $- TU/EF
PLACED FOR COLLECTION; ORIGINAL CREDITOR: MEDICAL
_______________________________________________________________________________________
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O T H E R C R E D I T H I S T O R Y
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*** NO RECORD FOUND ***
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T R A D E S U M M A R Y
=======================================================================================
COUNT BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 2 69672 113300 1320 0
AUTO 6 5056 75037 1377 0
EDUCATION 0 0 0 0 0
OTHER INSTALLMENT 6 11678 40975 459 11218
OPEN 1 0 0 0 0
REVOLVING 10 12667 60900 506 0
OTHER 1 140 240 0 140
TOTAL 26 99213 290452 3662 11358
--------------------------------------------------------------------
SECURED DEBT 86406 OLDEST TRADELINE 06/93
UNSECURED DEBT 12807 DEBT/HIGH CREDIT 39%

Page 3/6
P.O. Box 5000
Allamuchy, NJ 07820
CREDIT REPORT
H DATE
O DATE AMOUNT
A S
E
=======================================================================================
D E R O G A T O R Y S U M M A R Y
=======================================================================================
CHARGE OFFS 1 DELINQ 30 DAYS 1 INQUIRIES 2
COLLECTIONS 1 60 DAYS 0
BANKRUPTCY ACCOUNTS 0 90 DAYS 0
PUBLIC RECORDS 0 OTHER 0
=======================================================================================
P U B L I C R E C O R D S
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*** NO RECORD FOUND ***
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I N Q U I R I E S ( L A S T 1 2 0 D A Y S )
=======================================================================================
XP 07/23/13 NEWTEK BUSINESS SERVIC
XP/EF 07/21/13 CHASE BANK NA
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T U H I G H R I S K F R A U D A L E R T
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SPARACINO, PHILIP
AVAILABLE AND CLEAR
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A L E R T
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PHILIP SPARACINO YOB: 1970
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS OTHERWISE INDICATED
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S O U R C E O F I N F O R M A T I O N
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1 - EXPERIAN 07/31/13
NAME: PHILIP SPARACINO 115701543 DOB: 05/28/70
NAME: PHILIP SPARACINO JR 115701543 DOB: N/A
NAME: PHIL SPARACINO 115701543 DOB: N/A
NAME: PHILLIP A SPARACINO JR 115701543 DOB: N/A
NAME: J SPARACINO 115701543 DOB: N/A
SSN: 115-70-1543
ADDRESS: 123 NE ROYCE AVE, PORT SAINT LUCIE, FL 349831238 - SINCE 08/06
ADDRESS: 8263 S US HIGHWAY 1, PORT SAINT LUCIE, FL 349522859 - SINCE 10/06
ADDRESS: 5204 NW EDGARTON TER, PORT SAINT LUCIE, FL 349831438 - SINCE 11/95
EMPLOYER: PHILI AUTO//10/12
EMPLOYER: PHILS AUTO CLINIC INC//03/00
2 - TRANSUNION 07/31/13
NAME: PHILIP A SPARACINO JR
NAME: DOB: 05/28/70
SSN: 115-70-1543
ADDRESS: 123 NE ROYCE AV, PORT SAINT LUCIE, FL 34983 - SINCE 01/07
ADDRESS: 5204 NW EDGARTON TE, PORT SAINT LUCIE, FL 34983 - SINCE 01/07
ADDRESS: 8263 S US HIGHWAY 1, PORT SAINT LUCIE, FL 34952
EMPLOYER: PHILS AUTO CLINIC/OWNER/
EMPLOYER: AUTO CLINIC OWNER//
3 - EQUIFAX 07/31/13
NAME: PHILIP SPARACINO JR DOB: 05/28/70
NAME: PHILIP A SPARACINO
SSN: 115-70-1543
ADDRESS: 123 NE ROYCE AVE, PORT SAINT LUCIE, FL 34983 - SINCE 11/06
Page 4/6
P.O. Box 5000
Allamuchy, NJ 07820
CREDIT REPORT
H DATE
O DATE AMOUNT
A S
E
ADDRESS: 5204 NW EDGARTON TER, PORT SAINT LUCIE, FL 34983 - SINCE 03/08
ADDRESS: 8263 S US HIGHWAY 1, PORT SAINT LUCIE, FL 34952 - SINCE 02/08
EMPLOYER: SELF//
EMPLOYER: PHILS AUTO CLINIC OW/OWNER/
EMPLOYER: AUTO CLINIC OWNER/OWNER/
=======================================================================================
C R E D I T O R S
=======================================================================================
1ST AMER CRE 333 EARLE OVINGTON, UNIONDALE NY 11553 (800) 435-5661
ACCT RECOV 555 VAN REED RD, WYOMISSING PA 19610 (610) 378-5000
ALLIED LEAS 13542 RIVER ROAD, DESTREHAN LA 70047 985-764-3455
ALLY FINANCIAL 200 RENAISSANCE CTR, DETROIT, MI 48243 800-200-4622
AQUA/GECCCC P.O. BOX 276, DAYTON OH 45401 937-534-6950
CAP 1 BANK PO BOX 85015, RICHMOND VA 23285 800-955-7070
CAP ONE PO BOX 85520, RICHMOND, VA 23285 BYMAILONLY
CAP1/POLRS 26525 N RIVERWOODS BLVD, METTAWA, IL 60045 800-695-6950
CAPITAL 1 BK 11013 W BROAD ST, GLEN ALLEN VA 23060 800-258-9319
CHASE BANK NA PO BOX 15298, WILMINGTON, DE 19850 800-955-9900
CHASE BP , 800-477-6761
CITI PO BOX 6241, SIOUX FALLS, SD 57117 BYMAILONLY
CITIBANK MC POB 6241, SIOUX FALLS SD 57117 (800) 843-0777
DRIVE FINANCIAL 8585 N STEMMONS FWY STE, DALLAS, TX 75247 888-222-4227
EXXMBLCITI PO BOX 6497, SIOUX FALLS, SD 57117 800-950-5114
EXXON/MOBIL/CBSD NA , 1.800.344.4355
FIRST USA BANK 201 N.WALNUT STREET 201 N WALNUT, WILMINGTON DE 1800-677-7101
G M A C PO BOX 105677, ATLANTA, GA 30348 BYMAILONLY
GECCCC/CITY FURN P O BOX 276 C/O CARDHOLDER OPERATIONS, DAYTON OH (937) 534-6950
GECCCC/CITY FURNITURE P.O. BOX 276 MAIL CODE OH 3-425, DAYTON, OH 45401937-5346950
GECFI/LENDING INC 3355 MICHELSON DR FL 2, IRVINE, CA 92612 800-404-2647
GECRB/CITY FURNITURE PO BOX 981439, EL PASO, TX 79998 866-396-8254
GEMB LENDING INC. , 800-404-2647
GEMB/HOME DESIGN-OUT , 866-396-8254
GMAC AUTO PO BOX 2175, JACKSONVILLE FL 32203 (800) 200-4622
LEASCOMM 10-M COMMERCE WAY, WOBURN MA 01801 800-843-5327
LEASECOMM 16 NE EXEC OFFICE PARK S, BURLINGTON, MA 01803 800-843-5327
MARKS & MORGAN JEWELER 375 GHENT RD, FAIRLAWN, OH 44333 BYMAILONLY
NEWTEK BUSINESS SERVIC 1440 BROADWAY, NEW YORK, NY 10018 212-356-9500
ONYX ACCEP 27051 TOWNE CENTRE DR, FOOTHILL RANCH, CA 92610 800-210-6699
REGION/AMS PO BOX 11007, BIRMINGHAM, AL 35288 205-326-5739
SANTANDER CONSUMER U , 888-222-4227
SNAP ON CRDT 1125 TRI-STATE PAR, GURNEE IL 60031 877-777-8455
SNAP-ON CREDIT 1125 TRI-STATE PARKWAY, GURNEE IL 60031 877-777-8455
SNAP-ON CREDIT LLC PO BOX 506, GURNEE, IL 60031 847-782-7700
TD BANK/RIVERSIDE NATL 2810 S FEDERAL HWY, FORT PIERCE, FL 34982 772-595-6601
WELLS FARGO HM MORTGAG 7495 NEW HORIZON WAY, FREDERICK, MD 21703 800-262-5294
WELLS FARGO HOME MOR DEFAULT REPORTING, CHARLOTTE NC 28217 800-262-5294
WELLS FARGO RETAIL CREDI P O BOX 9121, DES MOINES, IA 50306 800-346-3009
WFFNATBANK PO BOX 94498, LAS VEGAS, NV 89193 800-635-5585
WFS P.O. BOX 19752, IRVINE CA 92623 800-289-8004
WFS/WACHOVIA DEALER SV PO BOX 19657, IRVINE, CA 92623 800-289-8004
WLSFGR HMMTG , 800-262-5294
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D I S C L A I M E R
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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.

Page 5/6
P.O. Box 5000
Allamuchy, NJ 07820
CREDIT REPORT
H DATE
O DATE AMOUNT
A S
E
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.
EXPERIAN TRANSUNION EQUIFAX

PO BOX 2002 PO BOX 1000 PO BOX 740241
ALLEN, TX 75013 CHESTER, PA 19022 ATLANTA, GA 30374
888-397-3742 800-888-4213 800-685-1111
www.experian.com/reportaccess transunion.com/myoptions www.equifax.com/fcra
=======================================================================================
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: BP-45CB317
To verify the authenticity of this credit report, please visit

https://cis.meridianlink.com and click on the Instant View link. Enter report
number 7030553 and password BP-45CB317 to view the report. For any inquiries
regarding this report or services provided by CIS INFORMATION SERVICES please
contact us at 800-275-7722.
*** END OF REPORT 7/31/2013 8:42:24 AM ***

Page 6/6
RESIDENTIAL HOME FUNDING #101 - BAYSHORE, NY
520 N. STATE ROAD
BRIARCLIFF MANOR, NY 10510
(631)220-1656CELL
NOTICE TO THE HOME LOAN APPLICANT

CREDIT SCORE INFORMATION DISCLOSURE
SPARACINO, PHILIP
123 NE ROYCE AVENUE
PORT SAINT LUCIE, FL 34983
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 CREDIT EXPERIAN

CHESTER, PA 19022 ATLANTA, GA 30374 ALLEN, TX 75013
800-888-4213 800-685-1111 888-397-3742
transunion.com/myoptions www.equifax.com/fcra www.experian.com/reportaccess
The following information about your credit scores was created on 7/31/2013.
Applicant : SPARACINO, PHILIP

Name of Score: EQUIFAX/BEACON 5.0
Credit Score : 667 Range: 334-818
Key Factors affecting the score:
- SERIOUS DELINQUENCY, AND DEROGATORY PUBLIC RECORD OR COLLECTION FILED
- LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION IS TOO SHORT
- TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
- TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS

Name of Score: TRANSUNION/FICO CLASSIC (04)
- SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED
- LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION IS TOO SHORT
- AMOUNT PAST DUE ON ACCOUNTS
- TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Page 1/2
- SERIOUS DELINQUENCY
- AMOUNT PAST DUE ON ACCOUNTS
- PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL REVOLVING ACCOUNTS
- LEVEL OF DELINQUENCY ON ACCOUNTS
- TOO MANY INQUIRIES LAST 12 MONTHS
Borrower Signature ________________________ Date __________
Page 2/2
RESIDENTIAL HOME FUNDING #101 - BAYSHORE, NY REPORT #: 7030553
520 N. STATE ROAD
(631)220-1656CELL
RETURN SERVICE REQUESTED
PHILIP SPARACINO
123 NE ROYCE AVENUE
Your Credit Score and the Price You Pay for Credit
Your Credit Score

Your credit score 711 Model: EXPERIAN/FAIR, ISAAC (VER. 2)
Source: EXPERIAN Date: 07/31/13
Understanding Your Credit Score

What you should Your credit score is a number that reflects the information in your credit report.
know about credit
scores Your credit report is a record of your credit history. It includes information about whether you pay your bills on time and
how much you owe to creditors.
Your credit score can change, depending on how your credit history changes.
How we use your Your credit score can affect whether you can get a loan and how much you will have to pay for that loan.
credit score
The range of scores Scores range from a low of 320 to a high of 844.
Generally, the higher your score, the more likely you are to be offered better credit terms.
How your score Your credit score ranks higher than 47 percent of U.S. consumers.
compares to the
scores of other
consumers
Key factors that l SERIOUS DELINQUENCY
adversely affected l AMOUNT PAST DUE ON ACCOUNTS
your credit score l PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL REVOLVING ACCOUNTS
l LEVEL OF DELINQUENCY ON ACCOUNTS
l TOO MANY INQUIRIES LAST 12 MONTHS
Checking Your Credit Report

What if there are You have a right to dispute any inaccurate information in your credit report. If you find mistakes on your credit report,
mistakes in your contact the consumer reporting agency.
credit report?
It is a good idea to check your credit report to make sure the information it contains is accurate.
How can you obtain Under federal law, you have the right to obtain a free copy of your credit report from each of the nationwide consumer
a copy of your reporting agencies once a year.
credit report?
To order your free annual credit report:
By telephone: Call toll-free: 1-877-322-8228

On the web: Visit www.annualcreditreport.com
By mail: Mail your completed Annual Credit Report Request Form (which you can obtain from the Federal Trade
Commission's web site at http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to:
Annual Credit Report Request Service

P.O. Box 105281
Atlanta, GA 30348-5281
How can you get For more information about credit reports and your rights under Federal law, visit the Consumer Financial Protection
more information? Bureau's website at www.consumerfinance.gov/learnmore.
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.
520 N. STATE ROAD
(631)220-1656CELL
PHILIP SPARACINO
123 NE ROYCE AVENUE
Your Credit Score

Your credit score 645 Model: TRANSUNION/FICO CLASSIC (04)
Source: TRANS UNION Date: 07/31/13

know about credit
credit score
compares to the
scores of other
consumers
Key factors that l SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED
adversely affected l LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION IS TOO SHORT
your credit score l AMOUNT PAST DUE ON ACCOUNTS
l TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN

credit report?
credit report?


P.O. Box 105281
520 N. STATE ROAD
(631)220-1656CELL
PHILIP SPARACINO
123 NE ROYCE AVENUE
Your Credit Score

Your credit score 667 Model: EQUIFAX/BEACON 5.0
Source: EQUIFAX Date: 07/31/13

know about credit
credit score
compares to the
scores of other
consumers
Key factors that l SERIOUS DELINQUENCY, AND DEROGATORY PUBLIC RECORD OR COLLECTION FILED
adversely affected l LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION IS TOO SHORT
your credit score l TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
l TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS

credit report?
credit report?


P.O. Box 105281
CONSUMER EXPLANATION LETTER
FILE #: 7030553 CREDIT REPORT PROVIDED BY:
REFERENCE #: CIS INFORMATION SERVICES
PANTHER VALLEY VILLAGE SQUARE, P.O.
APPLICANT: SPARACINO, PHILIP BOX 5000
CO-APPLICANT: ALLAMUCHY, NJ 07820
ADDRESS: 123 NE ROYCE AVENUE VOICE: 800-275-7722
PORT SAINT LUCIE, FL 34983 FAX 800-275-8049
RE: CREDIT ACCOUNTS AND INQUIRIES
Dear Applicant,
A copy of your credit report has been provided to RESIDENTIAL HOME FUNDING #101 - BAYSHORE, NY in association with your recent application.
A brief statement may be required by RESIDENTIAL HOME FUNDING #101 - BAYSHORE, NY to explain credit accounts which indicate a past due credit
history status, public record items, addresses, and/or credit inquiries*. Please write your explanation below. If additional space is required, use the reverse side
of this letter. Please mail or deliver this form to RESIDENTIAL HOME FUNDING #101 - BAYSHORE, NY promptly. If you are unsure of the explanation(s)
required, please contact RESIDENTIAL HOME FUNDING #101 - BAYSHORE, NY.
IT IS VERY IMPORTANT that you respond to RESIDENTIAL HOME FUNDING #101 - BAYSHORE, NY IN WRITING as soon as possible regarding any items
listed below. Please DO NOT send your response to CIS INFORMATION SERVICES.
RESIDENTIAL HOME FUNDING #101 - BAYSHORE, NY

520 N. STATE ROAD
Please return this letter to: BRIARCLIFF MANOR, NY 10510
Phone: (631)220-1656CELL
* A credit inquiry indicates that a credit grantor has obtained a copy of your credit report. Please indicate if you have applied for credit with the noted firm, if you
currently have an account, if credit was denied with the noted firm, or if the inquiry was for employment report.
Your credit information has been provided by the following organizations. If you so desire, you can contact us or them to dispute items on your credit report:
TRANSUNION EXPERIAN EQUIFAX

CHESTER, PA 19022 ALLEN, TX 75013 ATLANTA, GA 30374
800-888-4213 888-397-3742 800-685-1111
transunion.com/myoptions www.experian.com www.equifax.com/fcra
The credit bureau or credit agency plays no part in the decision to take any action on your application request, and is unable to provide you with specific reasons
for the decision on an application.
U.S. Criminal Code, Section 1010, Title 18, U.S.C., "Department of Housing and Urban Development and Federal Housing Administration transactions",
Provides in part: "Whoever, for the purpose of . . . influencing in any way the action of such Department . . . makes, passes, utters, or publishes any statement,
knowing the same to be false . . . shall be fined not more than $5,000 or imprisoned not more than two years or both."
DEROGATORY ACCOUNTS
001
ECOA / WHOSE ACCT TYPE REPORTED HI CREDIT PAYMENT 30 60 90+
CHARGE OFF
J/B INST 06/13 $40975 $459 0 0 0
SANTANDER CONSUMER U
SOURCE
30000149983841000 TERM OPENED BALANCE PAST DUE MO REV LAST LATE DLA
- - -
XP/TU/EF 180 08/00 $11678 $11218 27 --/-- 06/11
RECREATIONAL MERCHANDISE
EXPLANATION:
OUTCOME:
Page 1/2
CONSUMER EXPLANATION LETTER
FILE #: 7030553 CREDIT REPORT PROVIDED BY:
REFERENCE #: CIS INFORMATION SERVICES
PANTHER VALLEY VILLAGE SQUARE, P.O.
APPLICANT: SPARACINO, PHILIP BOX 5000
CO-APPLICANT: ALLAMUCHY, NJ 07820
ADDRESS: 123 NE ROYCE AVENUE VOICE: 800-275-7722
PORT SAINT LUCIE, FL 34983 FAX 800-275-8049
RE: CREDIT ACCOUNTS AND INQUIRIES
DEROGATORY ACCOUNTS
002
COLLECTION
B/B COLL 05/12 $240 - - - -
ACCT RECOV
SOURCE
- - -
TU/EF - 02/12 $140 $140 - --/-- 06/11
PLACED FOR COLLECTION; ORIGINAL CREDITOR: MEDICAL

EXPLANATION:
OUTCOME:
003
DELINQ 30
J/B INST 04/11 $40975 $0 3 0 0
GECFI/LENDING INC
SOURCE
03/11 - -
XP/TU/EF 180 08/00 $0 $0 02/11 74 03/11 04/11
PURCHASED BY ANOTHER LENDER; RECREATIONAL MERCHANDISE; ACCOUNT CLOSED

EXPLANATION:
OUTCOME:
PUBLIC RECORDS
*** NONE ***
INQUIRIES (LAST 120 DAYS)
New Credit
Inquiries Date Reported Source Opened?
001. NEWTEK BUSINESS SERVIC 07/23/13 XP-B
Explanation:
002. CHASE BANK NA 07/21/13 XP/EF-B
Explanation:
*** 7/31/2013 8:42:27 AM ***
Borrower Signature ________________________________ Date ______________________
** REMIT ALL CORRESPONDENCE TO: RESIDENTIAL HOME FUNDING #101 - BAYSHORE, NY

520 N. STATE ROAD
Page 2/2

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2 PHILIP A SPARACINO JR - 115701543

1 PHILIP SPARACINO - 115701543

J B CAP1/POLRS 07/13 09/02 $15000 $6352 $0 99 0 0 0 AS AGREED

B B ALLY FINANCIAL 07/13 11/07 $49069 $4041 $0 69 0 0 0 AS AGREED

B B CITI 07/13 07/94 $17990 $2421 $0 99 0 0 0 AS AGREED

B B MARKS & MORGAN JEW 07/13 05/09 $7650 $1935 $0 51 0 0 0 AS AGREED

ECOA KEY: B=BORROWER; C=CO-BORROWER; S=SHARED; J=JOINT; U=UNDESIGNATED; A=AUTHORIZED USER

J B ALLY FINANCIAL 07/13 09/09 $25968 $1015 $0 45 0 0 0 AS AGREED

B B EXXMBLCITI 07/13 06/93 $1310 $987 $0 76 0 0 0 AS AGREED

B B CAP ONE 07/13 10/02 $2250 $837 $0 99 0 0 0 AS AGREED

A B CHASE-BP 07/13 10/02 $1200 $135 $0 99 0 0 0 AS AGREED

JB G M A C 12/09 09/06 $26697 $0 $0 39 0 0 0 PAID

J B GECFI/LENDING INC 04/11 08/00 $40975 $0 $0 74 3 0 0 DELINQ 30

B B GECRB/CITY FURNITU 07/13 02/08 $4000 $0 $0 66 0 0 0 AS AGREED

B B GECRB/HOME DSN OUT 07/13 07/07 $7200 $0 $0 72 0 0 0 AS AGREED

J B GMAC 04/07 12/03 $27876 $0 $0 40 0 0 0 PAID

B B LEASCOMM 10/06 06/02 $3417 $0 $0 51 0 0 0 PAID

B B LEASECOMM 10/06 06/02 $3417 $0 $0 52 0 0 0 PAID

P B ONYX ACCEP 09/03 08/97 $21752 $0 $0 73 0 0 0 PAID

P B REGION/AMS 04/05 08/00 $40975 $0 $0 56 0 0 0 PAID

B B SNAP-ON CREDIT LLC 01/12 12/95 $12383 $0 $0 99 0 0 0 PAID

ECOA KEY: B=BORROWER; C=CO-BORROWER; S=SHARED; J=JOINT; U=UNDESIGNATED; A=AUTHORIZED USER

J B TDBNKNORTH 08/06 05/02 $30000 $0 $0 32 0 0 0 PAID

J B WFDS/WDS 09/07 08/01 $31138 $0 $0 74 0 0 0 PAID

B B WFFNATBANK 09/09 02/08 $0 $0 $0 1 0 0 0 PAID

B B WFFNATBANK 07/13 10/12 $4300 $0 $0 10 0 0 0 AS AGREED

B B ALLIED LEAS 04/07 02/03 $2752 - $0 33 0 0 0 AS AGREED

B B ACCT RECOV 05/12 02/12 $240 $140 $140 - - - COLLECTION

ECOA KEY: B=BORROWER; C=CO-BORROWER; S=SHARED; J=JOINT; U=UNDESIGNATED; A=AUTHORIZED USER

ECOA KEY: B=BORROWER; C=CO-BORROWER; S=SHARED; J=JOINT; U=UNDESIGNATED; A=AUTHORIZED USER

This is a report containing information supplied by the repositories listed above.

EXPERIAN TRANSUNION EQUIFAX

To verify the authenticity of this credit report, please visit

*** END OF REPORT 7/31/2013 8:42:24 AM ***

ECOA KEY: B=BORROWER; C=CO-BORROWER; S=SHARED; J=JOINT; U=UNDESIGNATED; A=AUTHORIZED USER

NOTICE TO THE HOME LOAN APPLICANT

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

TRANSUNION EQUIFAX CREDIT EXPERIAN

Applicant : SPARACINO, PHILIP

Applicant : SPARACINO, PHILIP

Applicant : SPARACINO, PHILIP

Borrower Signature ________________________ Date __________

RETURN SERVICE REQUESTED

Your Credit Score

Understanding Your Credit Score

Checking Your Credit Report

By telephone: Call toll-free: 1-877-322-8228

Annual Credit Report Request Service

RETURN SERVICE REQUESTED

Your Credit Score

Understanding Your Credit Score

Checking Your Credit Report

By telephone: Call toll-free: 1-877-322-8228

Annual Credit Report Request Service

RETURN SERVICE REQUESTED

Your Credit Score

Understanding Your Credit Score

Checking Your Credit Report

By telephone: Call toll-free: 1-877-322-8228

Annual Credit Report Request Service

RE: CREDIT ACCOUNTS AND INQUIRIES

RESIDENTIAL HOME FUNDING #101 - BAYSHORE, NY

* END OF REPORT 7/31/2013 8:42:24 AM *

Borrower Signature ______________ Date

* NONE *

* 7/31/2013 8:42:27 AM *

Borrower Signature __________ Date