25075

PERSON NAME: SARGENT, JOHN
PERSON SSN : 539-48-9378

FIRST NAME : SARGENT
LAST NAME : JOHN
PERSON DOB : 03/16/46
PERSON ADRESS: 5310 POWDERHOUSE RD, CHEYENNE, WY 82003
PERSON SCORE: 807
SARGENT, JOHN 520-48-9378
REMARK: AVAILABLE AND CLEAR
SARGENT, JULIA 520-52-6752

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 DITECH FINANCIAL LLC 360 06/19 $78000 AS AGREED
5110039696745 MTG 11/05 $57721 61 0 0 0
06/19 $765 XP/TU/EF
06/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC--CCCCCCCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST; FANNIE MAE ACCOUNT;
B B MERIDIAN TRUST FCU 10/16 $8000 AS AGREED

45251 REV 02/16 $5270 9 0 0 0
10/16 $139 XP/TU
10/16: CCCCCCCCC
C C BANK OF AMERICA MIN 07/19 $8500 AS AGREED

546632******6499 REV 04/04 $3255 99 0 0 0
06/19 $32 XP/TU/EF
07/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
Page: 3/10
-------------------------------------------------------------------
APPLICANT:SARGENT, JOHN
SSN :520-48-9378
ADDRESS :5310 POWDERHOUSE RD, CHEYENNE, WY 82003
-------------------------------------------------------------------
C C CAPITAL ONE BANK USA N 07/19 $7100 AS AGREED
430572****** REV 03/98 $239 99 0 0 0
12/18 $25 XP/TU/EF
07/19:
-------------------------------------------------------------------
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
-------------------------------------------------------------------
J J CITIBANKNA 02/16 $50000 PAID
6100548-2711298923 MTG 11/05 $0 82 0 0 0
12/15 $- XP/TU/EF
02/16:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CLOSED; HOME EQUITY LOAN;
B J CBNA 02/13 $15000 PAID

512107****** REV 02/78 $0 99 0 0 0
05/05 $0 EF
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;
B B WELLS FARGO 09/16 $11500 PAID

446542****** REV 04/05 $0 82 0 0 0
09/11 $0 XP/TU/EF
09/16:
REMARK: ACCOUNT CLOSED BY CONSUMER;
B J CAP ONE 04/13 $10800 PAID

548042******8457 REV 10/98 $0 99 0 0 0
01/09 $0 XP/EF
02/10:
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;
B B WSTN FCU 08/17 $10000 PD WAS 30

476177******1989 REV 02/96 $0 99 1 0 0
02/16 $0 XP/TU/EF
08/17:
------------------CCCCCCCCCCCCCCCCCC1CCCCCCCCCCCCCCCCCCCCCCCCCCC
Late Dates: 8/14-30
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;
Page: 4/10
-------------------------------------------------------------------
SSN :520-48-9378
-------------------------------------------------------------------
B B SYNCB/MOHA 09/16 $7000 INACTIVE
601921****** REV 09/07 $0 99 0 0 0
--/-- $0 EF
REMARK: CHARGE; ACCOUNT CLOSED DUE TO INACTIVITY;
C C UNIVERSAL CARD CBNA 06/19 $5300 AS AGREED

539842****** REV 01/97 $0 99 0 0 0
04/19 $0 XP/TU/EF
06/19:
C C WF PLL 06/19 $5000 AS AGREED

761316 REV 08/03 $0 99 0 0 0
09/08 $0 XP/EF
06/19:
REMARK: CHECK CREDIT OR LINE OF CREDIT;
J J CBNA 02/13 $2501 PAID

603532******3069 REV 09/01 $0 99 0 0 0
12/07 $0 XP/EF
01/11:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-CCCCCCCCCCCCCCCCCCCCCCCCCC
C C CITI 04/17 $2000 INACTIVE

546616****** REV 08/93 $0 82 0 0 0
06/10 $0 XP/TU/EF
04/17:
-CCCCCCCCCCC------------------CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: INACTIVE ACCOUNT; FLEXIBLE SPENDING CREDIT CARD;
J C ANB BANK 05/15 $1000 PAID

100000******586185 OPEN 10/05 $0 82 0 0 0
03/15 $0 XP/TU/EF
05/15:
REMARK: CLOSED;
B B TARGET NB 05/10 $1000 PAID

435237******6212 REV 12/05 $0 52 0 0 0
12/07 $0 XP/EF
07/09: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CLOSED ACCOUNT;
Page: 5/10
-------------------------------------------------------------------
SSN :520-48-9378
-------------------------------------------------------------------
B B WSTRN VISTA UNK 07/13 $500 PAID
127640***** REV 03/95 $0 56 0 0 0
02/12 $0 XP/TU/EF
07/13:
REMARK: CLOSED; DEBIT CARD;
B J CBNA 02/14 $300 PAID

295666*** REV 11/94 $0 99 0 0 0
04/09 $0 XP/EF
09/12:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;
B B AMEX 001 06/19 $7674 AS AGREED

-34999******23703 OPEN 11/99 $0 97 0 0 0
03/19 $0 XP/TU/EF
06/19:
A C AMEX 001 06/19 $7674 AS AGREED

-34999******77653 OPEN 11/99 $0 97 0 0 0
03/19 $0 XP/TU/EF
06/19:
J J CITIMORTGAGE INC 360 04/14 $78000 PAID

2003294693 MTG 11/05 $0 99 0 0 0
03/14 $0 XP/TU/EF
04/14:
--CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: TRANSFERRED TO ANOTHER LENDER; CONVENTIONAL REAL ESTATE
LOAN, INCLUDING PURCHASE MONEY FIRST; FANNIE MAE ACCOUNT;
B B FIRST EDUCATION FED CU050 03/15 $7863 PAID

16921840101 AUTO 11/11 $0 41 0 0 0
03/15 $0 XP/TU
03/15: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B FIRST EDUCATION FED CU060 11/11 $18300 PAID

16921840100 AUTO 08/11 $0 4 0 0 0
11/11 $0 XP/TU
11/11: -CCC
Page: 6/10
-------------------------------------------------------------------
SSN :520-48-9378
-------------------------------------------------------------------
-------------------------------------------------------------------
P U B L I C R E C O R D S
-------------------------------------------------------------------
*** NO RECORD FOUND ***
-------------------------------------------------------------------
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
-------------------------------------------------------------------
- AMER BANK [EF] 307-684-2201
P.O.BOX 1528,CHEYENNE WY 82002
- AMERICAN EXPRESS [EF] 800-528-4800
P.O. BOX 7871,FORT LAUDERDALE, FL 33329
- AMERICAN NATIONAL BANK [XP] (307) 638-08
PO BOX 2594,CHEYENNE WY 820032594
- AMEX [XP/TU] 800-528-4800
TAPE - P O BOX 7871,FORT LAUDERDALE, FL 33329
- ANB BANK [TU] 307-634-2121
3033 E 1ST AVE,DENVER, CO 80206
- BANK OF AMERICA [XP/EF] 800-759-6262
400 CHRISTIANA RD,NEWARK, DE 19713
- CAPITAL 1 BK [TU] 800-955-7070
11013 W BROAD ST,GLEN ALLEN VA 23060
- CAPITAL ONE [XP/EF] 800-955-7070
PO BOX 85520,RICHMOND VA 23285
- CAPITAL ONE BANK USA N [EF] 800-955-7070
,
- CBUSASEARS [EF] 800-669-8488
13200 SMITH ROAD,CLEVELAND, OH 44130
- CITBK FSB [EF] 800-685-0935
P O BOX 790022,ST LOUIS MO 63179
- CITI [XP/EF] 800-950-5114
PO BOX 6241,SIOUX FALLS SD 57117
- CITI CARDS CBSDNA [TU] 800-843-0777
POB 6241,SIOUX FALLS, SD 57117
- CITI/CPU [XP] 800-722-2617
110 LAKE DR # 1-0103,NEWARK DE 19702
- CITIBANK NA [XP] 800-685-0935
PO BOX 769006,SAN ANTONIO TX 78245
- CITIBANK USA [MANUAL] 800-388-4142
CCS GRAY OPS CENTER,GRAY, TN 37615
- CITIBANKNA [TU] 800-685-0935
PO BOX 6181,SIOUX FALLS, SD 57117
- CITICORP [EF] 800-283-7918
15851 CLAYTON ROAD MS-30,BALLWIN MO 63011
- CITIMORTGAGE INC [XP/TU] 800-283-7918
15851 CLAYTON RD,BALDWIN, MO 63011
- CONSECO [TU] 800-643-0202
345 ST. PETER STRE,SAINT PAUL, MN 55102
Page: 7/10
-------------------------------------------------------------------
SSN :520-48-9378
-------------------------------------------------------------------
- Credit Plus [TU] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- DITECH [EF] 800-700-9212
500 LANDMARK TOWER,ST PAUL, MN 55102
- DITECH FINANCIAL LLC [XP] 800-700-9212
332 MINNESOTA ST STE 610,SAINT PAUL MN 55101
- FIRST EDUCATION FED CU [XP] (307) 638-97
300 COLE SHOPPING CTR,CHEYENNE WY 820015358
- FST EDUCATIO [TU] 307-432-7400
120 W. CARLSON POB 20030,CHEYENNE, WY 82009
- GEMB/MHWK [EF] 866-396-8254
P O BOX 276 C/O CARDHOLDER OPERATIONS,DAYTON, OH 45401
- HHLD BANK [XP] 800-477-6000
PO BOX 98706,LAS VEGAS NV 89193
- MBNA AMERICA [TU] 800-421-2110
PO BOX 17054,WILMINGTON DE 19884
- PHILLIP [EF] 918-661-6600
,
- RETAILERS NATIONAL B [EF] 888-755-5856
MAIL STOP 2BD P O BOX 9475,MINNEAPOLIS, MN 55440
- RNB TARGET [XP] 888-755-5856
PO BOX 9475,MINNEAPOLIS MN 55440
- THD/CBSD [XP] 866-875-5488
PO BOX 9714 (home depot),GRAY TN 37615
- UNVL/CITI [XP/TU/EF] 800-950-5114
PO BOX 44167,JACKSONVILLE, FL 32231
- W VISTA FCU [TU] (307) 634-21
P.O.B. 20105,CHEYENNE WY 82003
- WELLS FARGO BANK [XP/TU] 800-642-4720
PO BOX 5445,PORTLAND OR 97228
- WESTERN VISTA FCU [XP/EF] 307-634-2197
PO BOX 20105,CHEYENNE, WY 82003
- WFB CD SVC [EF] p#800-642-47
P.O. BOX 3696,PORTLAND, OR 97208
- WSTRN VISTA [TU] 307-634-2197
P.O. BOX 20105 1520 LOGAN AVENUE,CHEYENNE, WY 82003
- WVISTA FCU [EF] 307-634-2197
1520 LOGAN AV,CHEYENNE, WY 82001
- WY EMP FCU [TU] (307) 635-78
2323 WARREN AVE,CHEYENNE WY 82001
- WYOMING EMPLOYEES FCU [XP] 307-635-7878
PO BOX 548,CHEYENNE, WY 82003
-------------------------------------------------------------------
T R A D E S U M M A R Y
-------------------------------------------------------------------
Page: 8/10
-------------------------------------------------------------------
SSN :520-48-9378
-------------------------------------------------------------------
# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 3 57721 78000 765 0
AUTO 2 0 0 0 0
EDUCATION 0 0 0 0 0
OTHER INSTALLM 0 0 0 0 0
OPEN 3 0 15348 0 0
REVOLVING 15 8764 33900 196 0
OTHER 0 0 0 0 0
TOTAL 23 66485 127248 961 0
SECURED DEBT 57721 HIGH CREDIT 127248

UNSECURED DEBT 8764 REV CREDIT UTILIZATION 26%
OLDEST TRADE 02/78 TOTAL DEBT/HIGH CREDIT 52%
-------------------------------------------------------------------
D E R O G A T O R Y S U M M A R Y
-------------------------------------------------------------------
CHARGE OFFS 0 30 DAYS 1 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-44EFDAB
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 49319644 and password AV-44EFDAB to view the
report. For any inquiries regarding this report or services
provided by CREDIT PLUS 2 please contact us at (800) 258-3488.
-------------------------------------------------------------------
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
Page: 9/10
-------------------------------------------------------------------
SSN :520-48-9378
-------------------------------------------------------------------
-------------------------------------------------------------------
T R E N D S U M M A R Y
-------------------------------------------------------------------
*** END OF REPORT 8/1/2019 8:24:49 AM ***

Page: 10/10
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 207 REPORT #: 49319644

3538 JOHN F KENNEDY PKWY STE 1 REFERENCE #: 2070008331
FORT COLLINS, CO 80525
9702262992
RETURN SERVICE REQUESTED
JOHN SARGENT
5310 POWDERHOUSE RD
CHEYENNE, WY 82003
=================================================================
YOUR CREDIT SCORE - 771
Source: EXPERIAN Date: 07/22/19
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 64 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* LEVEL OF DELINQUENCY ON ACCOUNTS
* LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
* LACK OF RECENT BANK/NATIONAL REVOLVING INFORMATION
* LACK OF RECENT REVOLVING ACCOUNT INFORMATION
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

9702262992
JULIA SARGENT
5310 POWDERHOUSE RD
CHEYENNE, WY 82003
=================================================================
Source: EXPERIAN Date: 07/22/19
Model: EXPERIAN/FAIR, ISAAC (VER. 2)
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------
your credit report.


history changes.
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
* PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL
REVOLVING ACCOUNTS
* LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
* AMOUNT OWED ON ACCOUNTS IS TOO HIGH
Page: 4/18
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------

-----------------------------------------------------------------
-----------------------------------------------------------------

site at

P.O. Box 105281
-----------------------------------------------------------------
-----------------------------------------------------------------
Page: 5/18





the lender.
------------------------------------------------------------------
-----------------
Signature
Date
Page: 6/18

9702262992
JOHN SARGENT
5310 POWDERHOUSE RD
CHEYENNE, WY 82003
=================================================================
Source: TRANS UNION Date: 07/22/19
Model: TRANSUNION/FICO CLASSIC (04)
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------
your credit report.


history changes.
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
* LACK OF RECENT BANK REVOLVING INFORMATION
=================================================================
Page: 7/18
-----------------------------------------------------------------
-----------------------------------------------------------------

-----------------------------------------------------------------
-----------------------------------------------------------------

site at

P.O. Box 105281
-----------------------------------------------------------------
-----------------------------------------------------------------
Page: 8/18





the lender.
------------------------------------------------------------------
-----------------
Signature
Date
Page: 9/18

9702262992
JULIA SARGENT
5310 POWDERHOUSE RD
CHEYENNE, WY 82003
=================================================================
Source: TRANS UNION Date: 07/22/19
Model: TRANSUNION/FICO CLASSIC (04)
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------
your credit report.


history changes.
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
* PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
Page: 10/18
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------

-----------------------------------------------------------------
-----------------------------------------------------------------

site at

P.O. Box 105281
-----------------------------------------------------------------
-----------------------------------------------------------------
Page: 11/18





the lender.
------------------------------------------------------------------
-----------------
Signature
Date
Page: 12/18

9702262992
JOHN SARGENT
5310 POWDERHOUSE RD
CHEYENNE, WY 82003
=================================================================
Source: EQUIFAX Date: 07/22/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------
your credit report.


history changes.
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
* LEVEL OF DELINQUENCY ON ACCOUNTS
* NUMBER OF ACCOUNTS WITH DELINQUENCY
* LACK OF RECENT BANK REVOLVING INFORMATION
Page: 13/18
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------

-----------------------------------------------------------------
-----------------------------------------------------------------

site at

P.O. Box 105281
-----------------------------------------------------------------
-----------------------------------------------------------------
Page: 14/18





the lender.
------------------------------------------------------------------
-----------------
Signature
Date
Page: 15/18

9702262992
JULIA SARGENT
5310 POWDERHOUSE RD
CHEYENNE, WY 82003
=================================================================
Source: EQUIFAX Date: 07/22/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------
your credit report.


history changes.
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
* PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
=================================================================
Page: 16/18
-----------------------------------------------------------------
-----------------------------------------------------------------

-----------------------------------------------------------------
-----------------------------------------------------------------

site at

P.O. Box 105281
-----------------------------------------------------------------
-----------------------------------------------------------------
Page: 17/18





the lender.
------------------------------------------------------------------
-----------------
Signature
Date
Page: 18/18
CORNERSTONE HOME LENDING INC - 207
3538 JOHN F KENNEDY PKWY STE 1
9702262992

CREDIT SCORE INFORMATION DISCLOSURE
SARGENT, JOHN
5310 POWDERHOUSE RD
CHEYENNE, WY 82003

The credit score is a computer generated summary calculated at the

time of the request and based on information that a consumer
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.

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.

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

CHESTER, PA 19016 ATLANTA, GA 30374 ALLEN, TX 75013
800-916-8800 800-685-1111 888-397-3742
The following information about your credit scores was created on
Page: 1/2
7/22/2019.
Applicant : SARGENT, JOHN

Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 774 Range: 334-818
Key Factors affecting the score:
- LACK OF RECENT REVOLVING ACCOUNT INFORMATION
- LEVEL OF DELINQUENCY ON ACCOUNTS
- NUMBER OF ACCOUNTS WITH DELINQUENCY
- LACK OF RECENT BANK REVOLVING INFORMATION

Name of Score: TRANSUNION/FICO CLASSIC (04)
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
- LACK OF RECENT BANK REVOLVING INFORMATION

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
- LEVEL OF DELINQUENCY ON ACCOUNTS
- LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
- LACK OF RECENT BANK/NATIONAL REVOLVING INFORMATION
Borrower Signature _________________________________________ Date

__________
Page: 2/2
CORNERSTONE HOME LENDING INC - 207
3538 JOHN F KENNEDY PKWY STE 1
9702262992

CREDIT SCORE INFORMATION DISCLOSURE
SARGENT, JULIA
5310 POWDERHOUSE RD
CHEYENNE, WY 82003

The credit score is a computer generated summary calculated at the

time of the request and based on information that a consumer
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.

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.

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

CHESTER, PA 19016 ATLANTA, GA 30374 ALLEN, TX 75013
800-916-8800 800-685-1111 888-397-3742
The following information about your credit scores was created on
Page: 1/2
7/22/2019.
Applicant : SARGENT, JULIA

Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
- PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH

Name of Score: TRANSUNION/FICO CLASSIC (04)
- PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
- PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR
ALL REVOLVING ACCOUNTS
- LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
- AMOUNT OWED ON ACCOUNTS IS TOO HIGH
Borrower Signature _________________________________________ Date

__________
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PERSON NAME: SARGENT, JOHN

PERSON SSN : 539-48-9378

SARGENT, JULIA 520-52-6752

B B MERIDIAN TRUST FCU 10/16 $8000 AS AGREED

C C BANK OF AMERICA MIN 07/19 $8500 AS AGREED

B J CBNA 02/13 $15000 PAID

B B WELLS FARGO 09/16 $11500 PAID

B J CAP ONE 04/13 $10800 PAID

B B WSTN FCU 08/17 $10000 PD WAS 30

C C UNIVERSAL CARD CBNA 06/19 $5300 AS AGREED

C C WF PLL 06/19 $5000 AS AGREED

J J CBNA 02/13 $2501 PAID

C C CITI 04/17 $2000 INACTIVE

J C ANB BANK 05/15 $1000 PAID

B B TARGET NB 05/10 $1000 PAID

B J CBNA 02/14 $300 PAID

B B AMEX 001 06/19 $7674 AS AGREED

A C AMEX 001 06/19 $7674 AS AGREED

J J CITIMORTGAGE INC 360 04/14 $78000 PAID

B B FIRST EDUCATION FED CU050 03/15 $7863 PAID

B B FIRST EDUCATION FED CU060 11/11 $18300 PAID

SECURED DEBT 57721 HIGH CREDIT 127248

An asterisk (*) following the payment amount indicates the

This is a report containing information supplied by the

TRANS UNION EQUIFAX EXPERIAN

*** END OF REPORT 8/1/2019 8:24:49 AM ***

CORNERSTONE HOME LENDING INC - 207 REPORT #: 49319644

RETURN SERVICE REQUESTED

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

Your credit score can change, depending on how your credit

It is a good idea to check your credit report to make sure the

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

Annual Credit Report Request Service

In connection with your application for a home loan, the lender

The credit score is a computer generated summary calculated at

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

If you have questions about your credit score or the credit

If you have questions concerning the terms of the loan, contact

CORNERSTONE HOME LENDING INC - 207 REPORT #: 49319644

RETURN SERVICE REQUESTED

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

Your credit score can change, depending on how your credit

It is a good idea to check your credit report to make sure the

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

Annual Credit Report Request Service

In connection with your application for a home loan, the lender

The credit score is a computer generated summary calculated at

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

If you have questions about your credit score or the credit

If you have questions concerning the terms of the loan, contact

CORNERSTONE HOME LENDING INC - 207 REPORT #: 49319644

RETURN SERVICE REQUESTED

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

Your credit score can change, depending on how your credit

It is a good idea to check your credit report to make sure the

To order your free annual credit report:

* BY TELEPHONE: Call toll-free: 1-877-322-8228

* ON THE WEB: Visit www.annualcreditreport.com

* END OF REPORT 8/1/2019 8:24:49 AM *