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* * * T R A N S U N I O N C R E D I T R E P O R T R E V I E W * * *
Based on Report Requested on 04/16/21 at 11:35
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MARY A MEMBER 01/01/1980 520-11-2222
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- - - Y O U R C R E D I T S C O R E - - -
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Your Credit Score is *650*.
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We rate your credit score as *B* and this would result in some of the conditions (such as
interest rate, maximum term and loan-to-value requirements) of any loan we might offer you
to be less favorable than you would receive if your credit score was higher.
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The key factors that adversely affected your credit score are:
Length of time accounts have been established
Proportion of loan balances to loan amounts is too high
Length of time revolving accounts have been established
Proportion of balances to credit limits is too high on bank/revolving accounts
NOTE: The number of inquiries into your credit adversely affected your credit score.
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- - - Y O U R C R E D I T H I S T O R Y - - -
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Having a combination of the different credit types and keeping your available credit above
50% will have a positive effect on your credit score.
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Your credit history was first reported on 12/01/1996
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High Current Credit Monthly Currently Credit
Credit Type Count Credit Balance Limit Payment Past Due Available
----------- --- --------- --------- --------- --------- --------- ---------
Installment 003 2,700 0 0 0 0
Revolving 004 11,202 1,270 23,500 157 0 95%
Mortgage 003 185,432 182,490 0 1,100 0
Open Account 000 0 0 0 0 0
--- --------- --------- --------- --------- ---------
Totals 010 199,334 183,760 23,500 1,257 0
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Accounts Currently Past Due Accounts Ever Past Due: 000 Public Records: 000
30 Days: 000 Number of Late Payments: 000 Collections: 000
60 Days: 000 Repossessions: 000
90 Days: 000 Accounts in Dispute: 000 Charge-offs: 000
120 Days: 000 Payment Plans: 000 C/O Balances: 0
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- - - B A N K R U P T C Y F I L I N G S - - -
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Bankruptcy filings have an adverse effect on your credit score and will generally appear
on your credit report for up to 10 years after filing.
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I-Chapter 7 Discharged Reported: 08/22/2016 Assets: 0
Attorney: THI O LAWYER Closed: 11/29/2016 Liabilities: 0
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- - - P U B L I C R E C O R D S - - -
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Public records have an adverse effect on your credit score and will generally appear on
your credit report for up to 7 years after filing. Satisfied (paid) records may be taken
off sooner and will affect your credit score less than unsatisfied records. All tax liens
will remain on your credit report indefinitely unless paid.
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* * None * *
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- - - C O L L E C T I O N I T E M S - - -
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Accounts sent to a collection agency have an adverse effect on your credit score and will
generally appear on your credit report for up to 7 years after filing. Paid accounts may
be taken off sooner and will affect your credit score less than unpaid accounts.
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I-12 THAT BIG BANK Orig Amt: 880 Opened: 01/18/2019
LVNV FUNDING 4447778889995554 Balance: 830 Paid: --/--/----
Placed for collection Closed: --/--/----
Liability: Individual
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I-MEDICAL Orig Amt: 125 Opened: 05/06/2020
YOUR RECOVRY 223344 Balance: 141 Paid: --/--/----
Placed for collection Closed: --/--/----
Liability: Individual
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- - - F I R S T E D U C A T I O N T R A D E L I N E S - - -
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FST EDUCATIO #1122334 Balance: 590 Pmt: 107 Revolving
Type: Revolving Credit Card Past Due: 0 Opened: 01/07/2020
Status: As agreed High Bal: 6,594 Closed: --/--/----
Liability: Individual Cr Limit: 10,000 Late Payments: 30 Days 000
Pmt Pattern: 02/28/2021 11111111111111 60 Days 000
90 Days 000
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- - - O T H E R O P E N T R A D E L I N E S - - -
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A BANKK #5566778899001 Balance: 304 Pmt: 25 Revolving
Type: Revolving Credit Card Past Due: 0 Opened: 01/27/2019
Status: As agreed High Bal: 672 Closed: --/--/----
Liability: Individual Cr Limit: 2,500 Late Payments: 30 Days 000
Pmt Pattern: 02/26/2021 1111111111111111111111111 60 Days 000
90 Days 000
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THE OTHER FCU #112233445 Balance: 0 Pmt: 235 Monthly Term:012
Type: Installment Secured Past Due: 0 Opened: 11/01/2018
Status: As agreed High Bal: 2,700 Closed: --/--/----
Liability: Individual Cr Limit: 0 Late Payments: 30 Days 000
Pmt Pattern: 07/31/2019 111111111 60 Days 000
90 Days 000
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A FINCOMPANN #22775544 Balance: 587 Pmt: 250 Monthly Term:021
Type: Installment Automobile Past Due: 0 Opened: 03/05/2019
Status: 30 days past due High Bal: 4,355 Closed: --/--/----
Liability: Co-signer Cr Limit: 0 Late Payments: 30 Days 002
Pmt Pattern: 11/30/2020 111121111211111111111 60 Days 000
90 Days 000
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- - - C L O S E D T R A D E L I N E S - - -
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ANOTHER MTG #67482003 Balance: 0 Pmt: 0 Monthly Term:360
Type: Mortgage FHA RE Mortgage Past Due: 0 Opened: 12/05/2019
Status: As agreed High Bal: 186,558 Closed: 09/02/2020
Liability: Individual Cr Limit: 0 Late Payments: 30 Days 000
Pmt Pattern: 08/02/2020 111111 60 Days 000
90 Days 000
Transferred to another lender
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THE OTHER FCU #112233445 Balance: 0 Pmt: 0 Monthly Term:012
Type: Installment Secured Past Due: 0 Opened: 05/18/2017
Status: As agreed High Bal: 1,500 Closed: 11/08/2017
Liability: Joint Cr Limit: 0 Late Payments: 30 Days 000
Pmt Pattern: 10/08/2017 111111 60 Days 000
90 Days 000
Closed
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- - - I N Q U I R I E S I N T O Y O U R C R E D I T H I S T O R Y - - -
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04/16/2021 I FIRST EDUC F 0
01/07/2020 I FIRST EDUC F 0
10/08/2019 I ADV CREDIT 0
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- - - S O C I A L S E C U R I T Y N U M B E R I N F O R M A T I O N - - -
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There is an exact match between the SSN on file at the credit union and at TransUnion.
Input number is a Social Security Number issued between 1994 and 1995 in WY when you were
between the ages of 02 and 04.
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- - - O T H E R N A M E S O N F I L E - - -
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MEMBER,MARY,A
MAIDEN,MARY
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- - - A D D R E S S E S O N F I L E - - -
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1234 E 7TH ST CHEYENNE, WY 82001 01/13/2020
5678 OUR RD CHEYENNE, WY 82009 11/30/2017
8901 DRIVE CT CHEYENNE, WY 82001 --/--/----
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- - - E M P L O Y M E N T R E C O R D S - - -
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THIS COMPANY HARD WORKER Hired: 01/01/2018
OLD COMPANY GOOD WORKER Hired: --/--/----

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- - - P A Y M E N T P A T T E R N E X P L A I N E D - - -
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Using the following codes, the Pmt Pattern shows your paying habits for a period of up to
48 months starting with the date indicated at the beginning of the pattern:
'1'=Paid as Agreed '4'=90 to 119 Days Late
'2'=30 to 59 Days Late '5'=120 or more Days Late
'3'=60 to 89 Days Late 'X' Not Rated or Not Reported
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- - - L I A B I L I T Y D E F I N E D - - -
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User: Account on which you are an authorized user.
Joint: Debt for which you are liable along with another/others.
Individual: Debt for which you are personally liable.
Maker: Debt for which you are personally liable.
Co-signer: Debt for which you become liable if the primary borrower defaults.
Terminated: Account for which your liability has been cancelled.
Unknown: Account on which the contractual liability has not been reported.
Deceased: Consumer has been reported as deceased.
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- - - W H A T IS A C R E D I T S C O R E ? - - -
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* Your credit score is a number based on the information in your credit report and is an
attempt to estimate the likelihood you will fail to make payments in the next two years.
* Your credit report is a record of your credit history and includes information about
whether you pay your bills on time, the number and types of credit accounts you have and
the amount you owe to creditors.
* Your credit score can change, depending on how your credit history changes.
* On the model we use most, FICO Score 8, scores range from 300 to 850
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- - - W H Y A R E C R E D I T S C O R E S I M P O R T A N T ? - - -
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* Your credit score can affect whether you can get a loan and how much you will have to
pay for that loan.
* Generally, the higher your credit score, the more likely it is you will be offered
credit terms which are more favorable to you.
* Your credit score can affect the price you pay for insurance and your ability to rent
an apartment.

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- - - W H A T A F F E C T S Y O U R C R E D I T S C O R E - - -
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The manner in which you have paid your debts in the past makes up a significant portion of
your credit score. Therefore:
* Paying your obligations on time and prudent use of credit are the best ways to
maintain a higher credit score;
* Having little or no debt can adversely affect your score;
* Having no mortgage debt can adversely affect your credit score;
* Past delinquency will adversely affect your credit score even if the obligation is
presently not past due or has been paid in full;
* Judgments and other negative public records will adversely affect your credit score
even after they are satisfied (paid).
* Bankruptcy can adversely affect your credit score for over ten years.
* Payments made less than 30 days late will not affect your credit score.
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Acquiring debt too quickly without having the credit history to show you can manage it
increases the possibility you will be unable to make payments in the future. Therefore:
* Having too many inquiries into your credit history can adversely affect your score;
 * Opening more than a couple of new accounts in a short period can adversely affect
your credit score.
* Having too much debt in relation to available credit limits can adversely affect
your credit score.
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Your age, sex, marital status, income level, and current employment status are not factors
in your credit score.
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- - - H O W W E U S E Y O U R C R E D I T S C O R E - - -
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* We use your credit score to determine the interest rate and other conditions of your
loans with us.
We do not use your credit score to determine if we will approve or deny your
application for credit.
* We do not use your credit score to determine if you are eligible for membership or
other account services with us.
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- - - H O W T O C O R R E C T M I S T A K E S - - -
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You have the right to dispute any inaccurate information in your credit report. However,
you do not have the right to have accurate information removed.
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If you find mistakes in this report, contact: TRANSUNION 800-888-4213
2 BALDWIN PLACE, P.O. BOX 1000
CHESTER, PA 19016
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- - - C H E C K Y O U R C R E D I T R E P O R T A N N U A L L Y - - -
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We recommend checking the information in your credit reports at least annually. You have
the right to obtain a free copy of your credit report from each of the three nationwide
credit reporting companies once a year.
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You can order your free annual credit report:
By calling 877/322-8228
By visiting www.annualcreditreport.com or
By mailing your completed Annual Credit Report Request Form to:
Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281
The Request Form is available at www.ftc.gov/bcp/conline/include/requestformfinal.pdf.

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- - - F O R M O R E I N F O R M A T I O N - - -
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For more information about credit reports and your rights under federal law, visit:
Federal Reserve Board at www.federalreserve.gov or
Federal Trade Commission at www.ftc.gov.
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- - - N O T I C E T O M O R T G A G E A P P L I C A N T S - - -
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A credit score is a computer generated summary calculated at the time a credit report is
requested and is based on information that a consumer reporting agency 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
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.
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