PERSON NAME: YOUNG BUMYOON

PERSON SSN : 123-55-7936

FIRST NAME : :
LAST NAME : YOUNG
PERSON DOB : 08/15/1964

11 - AMOUNT OWED ON REVOLVING ACCOUNT IS TOO HIGH

14 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
_______________________________________________________________________________
PUBLIC RECORDS

NO PUBLIC RECORDS FOUND.

05/28/2019 FD/FAIRWAY INDEPENDT M
RA11
06/21/2019 VELOCIO MORTGAGE LLC
05/28/2019 FAIRWAY INDE
UA11

CONTINUED ON NEXT PAGE

YOON, YOUNG BUM 609-55-7965
In Jeongok 631-29-5595
DATE: 06/25/2019 PAGE 3 OF 6

05/28/2019 FCTUALDATA
QA11
06/25/2019 VELOCIO MORTGAGE LLC
UC11
_______________________________________________________________________________
CREDIT INFORMATION

LAST HIGH NO PAST DUE REV PAID

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

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

BANK OF AMERICA 06/19 14000 IND $0 PAST DUE
2979 06/19 12/14 3842 221 R1 55 0 0 0 REV X $25
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________

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

AMERICAN EXPRESS 08/17 7500 IND $0 PAST DUE
1243 06/19 03/16 71 0 R1 39 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________

CREDIT CARD; CLOSED DUE TO INACTIVITY; INACTIVE ACCOUNT;

CLOSED OR PAID ACCOUNT/ZERO BALANCE; CREDIT CARD
AMERICAN EXPRESS 06/13 --- IND $0 PAST DUE
8883 07/13 02/12 25 0 O1 17 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

CREDIT CARD; PURCHASED BY ANOTHER LENDER; PURCHASED BY ANOTHER

LENDER; ACCOUNT TRANSFERRED OR SOLD; CREDIT CARD
AMERICAN EXPRESS 06/16 2200 IND $0 PAST DUE
4283 07/16 07/12 939 0 R1 36 0 0 0 REV X $0
RA11 UA11 QA11
_____________________________________________________________________

CREDIT CARD
AMEX --- 7500 AUTH USER $0 PAST DUE
1403 06/19 03/16 71 0 R1 38 0 0 0 PAID
RC11 UC11
_____________________________________________________________________

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

REPORTED BY SUBSCRIBER; ACCOUNT CLOSED BY CONSUMER; ACCOUNT
CLOSED AT CONSUMER'S REQUEST; CREDIT CARD
BANK OF AMERICA 01/16 10000 IND $0 PAST DUE
9043 01/16 01/06 9629 0 R1 99 0 0 0 CLOSED
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________
CONTINUED ON NEXT PAGE
YOON, YOUNG BUM 609-55-7965
In Jeongok 631-29-5595
DATE: 06/25/2019 PAGE 4 OF 6

_______________________________________________________________________________
CREDIT INFORMATION

LAST HIGH NO PAST DUE REV PAID

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

CREDIT LINE CLOSED - GRANTOR'S REQUEST - REPORTED BY

SUBSCRIBER; CANCELED BY CREDIT GRANTOR; CLOSED OR PAID
ACCOUNT/ZERO BALANCE; ACCOUNT CLOSED BY CREDIT GRANTOR
CITICARDS CBNA 08/17 2200 IND $0 PAST DUE
1349 11/17 07/13 1043 0 R1 14 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

CREDIT LINE CLOSED - CONSUMER'S REQUEST - REPORTED BY

SUBSCRIBER; ACCOUNT CLOSED BY CONSUMER; ACCOUNT CLOSED AT
CONSUMER'S REQUEST; CLOSED OR PAID ACCOUNT/ZERO BALANCE
JPMCB - CARD SERVICE 06/18 6000 IND $0 PAST DUE
0031 06/18 02/13 1195 0 R1 65 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________
===============================================================================
TOTALS HIGH LMT
HIGH BAL CUR BAL PASTDUE PAYMENT
49400
16815 221 0 25
===============================================================================
_______________________________________________________________________________
CREDITOR INFORMATION

AMERICAN EXPRESS (800)874-2717

PO BOX 297871, FORT LAUDERDALE, FL 33329

AMERICAN EXPRESS (800)874-2717

PO BOX 297871, FORT LAUDERDALE, FL 33329

AMERICAN EXPRESS (800)874-2717

PO BOX 297871, FORT LAUDERDALE, FL 33329

AMEX (800)874-2717
PO BOX 297871, FORT LAUDERDALE, FL 33329

BANK OF AMERICA (800)421-2110

PO BOX 982238, EL PASO, TX 79998

BANK OF AMERICA
PO BOX 982238, EL PASO, TX 79998

CITICARDS CBNA
PO BOX 6190, SIOUX FALLS, SD 57117
CONTINUED ON NEXT PAGE
YOON, YOUNG BUM 609-55-7965
In Jeongok 631-29-5595
DATE: 06/25/2019 PAGE 5 OF 6

_______________________________________________________________________________
CREDITOR INFORMATION

FD/FAIRWAY INDEPENDT M (608)837-4800

4801 S BILTMORE LN, MADISON, WI 53718

JPMCB - CARD SERVICE (800)945-2000

PO BOX 15298, WILMINGTON, DE 19850

_______________________________________________________________________________
OFAC

Name: YOUNG BUM YOON

Source: BX1

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

list.
OFAC NO RECORD FOUND
Name: Jeongok In
Source: CX1

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

list.
OFAC NO RECORD FOUND
_______________________________________________________________________________
MISCELLANEOUS INFORMATION

SIMILAR NAME: YOON, YOUNG YOUNG

RA11
AKA: YOON, YOUNGBUM
UA11
TRANSUNION HIGH RISK FRAUD ALERT WAS COMPLETED ON APPLICANT BY SEARCHING
APPLICANT'S NAME, SOCIAL SECURITY NUMBER AND ADDRESS. NO FRAUDULENT
ACTIVITY WAS FOUND.
UA11 UC11
FACTA: ADDRESS MISMATCH ALERT - THE ADDRESS SUBMITTED IN THE INQUIRY IS
SUBSTANTIALLY DIFFERENT FROM THE ADDRESS ON FILE.
QC11
_______________________________________________________________________________
REPOSITORY ADDRESS INFORMATION

8724 BLACKVIREO DR, AUSTIN, TX 78729-8079 09/15 02/18 B/C

RA11 UA11 QA11 UC11 RC11
1379 PARK BROOKE CIR SW, MARIETTA, GA 30008-5307 01/18 01/18 BOR
RA11 QA11
9413 CASTLE PINES DR, AUSTIN, TX 78717-3967 02/11 12/14 B/C
RA11 UA11 QC11 RC11
5636 STEVENS CREEK BV 392, CUPERTINO, CA 95014-7626 --- 11/05 BOR
UA11
5636 STEVENS CREEK BLVD APT 392, CUPERTINO, CA 95014 10/06 --- BOR
QA11
5003 BARLOW DR, ROUND ROCK, TX 78681 11/10 11/10 COB
QC11 RC11
CONTINUED ON NEXT PAGE
YOON, YOUNG BUM 609-55-7965
In Jeongok 631-29-5595
DATE: 06/25/2019 PAGE 6 OF 6

_______________________________________________________________________________
REPOSITORY ADDRESS INFORMATION

9413 CATTLE, AUSTIN, TX 78717 --- 04/11 COB

UC11

_______________________________________________________________________________
REPOSITORY EMPLOYMENT INFORMATION

SAMSUNG 04/11 04/11 BOR

RA11 UA11

_______________________________________________________________________________
SUMMARY INFORMATION

OLDEST TRADELINE DATE.....................................01/2006

PUBLIC RECORDS..................................................0
NUMBER OF INQUIRIES IN LAST 120 DAYS:...........................5
NUMBER OF OPEN REVOLVING TRADES:................................3
NUMBER OF OPEN INSTALLMENT TRADES:..............................0
NUMBER OF BALANCE MONTHLY TRADES:...............................1
TOTAL NUMBER OF OPEN TRADES:....................................3
REVOLVING CREDIT LIMIT:...................................$49,400
REVOLVING HIGH BALANCE:...................................$16,790
INSTALLMENT HIGH BALANCE:......................................$0
BALANCE MONTHLY HIGH BALANCE:.................................$25
BALANCE MONTHLY OWED:..........................................$0
REVOLVING BALANCE OWED.......................................$221
INSTALLMENT BALANCE OWED.......................................$0
TOTAL BALANCE OWED:..........................................$221
OPEN REVOLVING PAYMENTS:......................................$25
OPEN INSTALLMENT PAYMENTS:......................................0
TOTAL OPEN PAYMENTS:...........................................25
REVOLVING AMOUNT PAST DUE:......................................0
INSTALLMENT AMOUNT PAST DUE:....................................0
BALANCE MONTHLY AMOUNT PAST DUE:................................0
TOTAL AMOUNT PAST DUE:..........................................0
PAYMENTS 30 TO 59 DAYS LATE:....................................0
PAYMENTS 60 TO 89 DAYS LATE:....................................0
PAYMENTS 90 AND OVER DAYS LATE:.................................0
NUMBER OF COLLECTION TRADE LINES:...............................0
NUMBER OF BANKRUPTCY TRADE LINES:...............................0
NUMBER OF FORECLOSURE TRADE LINES:..............................0
NUMBER OF PROFIT AND LOSS TRADE LINES:..........................0
NUMBER OF REPOSSESSION TRADE LINES:.............................0
NUMBER OF ADVERSE TRADE LINES:..................................0
TOTAL NUMBER OF TRADELINES......................................8

01B8907F2A0A

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

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

4372 N LOOP 1604 WEST, STE 200
|Request Date:|6/25/2019 |

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

(210)971-6105
|Report ID: |K4406BXAZ080520 |

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

Young Bum Yoon

8724 Blackvireo Dr
Austin, TX 78729

------------------------------------------------------------------------------
| Your Credit Score |
|----------------------------------------------------------------------------|
| Your Credit | 810 |
| Score | Source: Equifax Consumer Relations 6/21/2019 |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| What you should | Your credit score is a number that reflects the |
| know about | information in your credit report. |
| credit scores | |
| | Your credit report is a record of your credit history. |
| | It includes information about whether you pay your bills |
| | on time and how much you owe creditors. |
| | |
| | Your credit score can change, depending on how your |
| | credit history changes. |
|-----------------|----------------------------------------------------------|
| How we use your | Your credit score can affect whether you can get a loan |
| credit score | and how much you will have to pay for that loan. |
|-----------------|----------------------------------------------------------|
| The range of | |
| scores | Scores range from a low of 334 to a high of 818. |
| | |
| | Generally, the higher your score, the more likely you are|
| | to be offered better credit terms. |
|-----------------|----------------------------------------------------------|
| How your score | Equifax |
| compares to the | |
| scores of other | Your credit score ranks higher than [ 95 ] percent of |
| consumers | U.S. Consumers |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| Key factors that| Equifax |
| adversely | 11 AMOUNT OWED ON REVOLVING ACCOUNT IS TOO HIGH |
| affected your | 32 LACK OF RECENT INFORMATION LOAN INFORMATION |
| credit score | 00 |
| | 00 |

------------------------------------------------------------------------------
CONTINUED ON NEXT PAGE
------------------------------------------------------------------------------
| Checking Your Credit Report |
|----------------------------------------------------------------------------|
| What if there | You have a right to dispute any inaccurate information in|
| are mistakes in | your credit report. If you find mistakes on your credit |
| your credit | report, contact the consumer reporting agency. |
| report? | |
| | It is a good idea to check your credit report to make |
| | sure the information it contains is accurate. |
|-----------------|----------------------------------------------------------|
| How can you | Under Federal law, you have the right to obtain a free |
| obtain a copy of| copy of your credit report from each of the nationwide |
| your credit | consumer reporting agencies once a year. |
| report? | |
| | To order your free annual credit report: |
| | |
| | By telephone: Call toll-free: 1-877-322-8228 |
| | |
| | On the web: Visit www.annualcreditreport.com |
| | |
| | By mail: Mail your completed Annual Credit Report |
| | Request Form (which you can obtain from the|
| | Federal Trade Commission's web site at |
| | http://www.ftc.gov/bcp/conline/include/ |
| | requestformfinal.pdf |
| | |
| | Annual Credit Report Request Service |
| | P.O. Box 105281 |
| | Atlanta, GA 30348-5281 |
|-----------------|----------------------------------------------------------|
| How can you | For more information about credit reports and your rights|
| get more | under Federal law, visit the Consumer Financial |
| information? | Protection Bureau's website at |
| | www.consumerfinance.gov/learnmore. |
------------------------------------------------------------------------------

CONTINUED ON NEXT PAGE

 Notice to Home Loan Applicant

In connection with your application for a home loan, the lender must
disclose to you the score that a consumer reporting agency distributed to
users and the lender used in connection with your home loan, and the key
factors affecting your credit scores.

The credit score is a computer generated summary calculated at the time of

the request and based on information that a consumer reporting agency or
lender has on file. The scores are based on data about your credit history
and payment patterns. Credit scores are important because they are used to
assist the lender in determining whether you will obtain a loan. They may
also be used to determine what interest rate you may be offered on the
mortgage. Credit scores can change over time, depending on your conduct, how
your credit history and payment patterns change, and how credit scoring
technologies change.

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

important that you review the credit-related information that is being
furnished to make sure it is accurate. Credit records may vary from one
company to another.

If you have questions about your credit score or the credit information that
is furnished to you, contact the consumer reporting agency at the address
and telephone number provided with this notice, or contact the lender, if
the lender developed or generated the credit score. The consumer reporting
agency plays no part in the decision to take any action on the loan
application and is unable to provide you with specific reasons for the
decision on a loan application.

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

Equifax Consumer Relations

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

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

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

4372 N LOOP 1604 WEST, STE 200
|Request Date:|6/25/2019 |

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

(210)971-6105
|Report ID: |K4406BXAZ080520 |

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

Jeongok In
8724 Blackvireo Dr
Austin, TX 78729

------------------------------------------------------------------------------
| Your Credit Score |
|----------------------------------------------------------------------------|
| Your Credit | 805 |
| Score | Source: Equifax Consumer Relations 6/25/2019 |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| What you should | Your credit score is a number that reflects the |
| know about | information in your credit report. |
| credit scores | |
| | Your credit report is a record of your credit history. |
| | It includes information about whether you pay your bills |
| | on time and how much you owe creditors. |
| | |
| | Your credit score can change, depending on how your |
| | credit history changes. |
|-----------------|----------------------------------------------------------|
| How we use your | Your credit score can affect whether you can get a loan |
| credit score | and how much you will have to pay for that loan. |
|-----------------|----------------------------------------------------------|
| The range of | |
| scores | Scores range from a low of 334 to a high of 818. |
| | |
| | Generally, the higher your score, the more likely you are|
| | to be offered better credit terms. |
|-----------------|----------------------------------------------------------|
| How your score | Equifax |
| compares to the | |
| scores of other | Your credit score ranks higher than [ 87 ] percent of |
| consumers | U.S. Consumers |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| Key factors that| Equifax |
| adversely | 28 NUMBER OF ESTABLISHED ACCOUNTS |
| affected your | 32 LACK OF RECENT INFORMATION LOAN INFORMATION |
| credit score | 11 AMOUNT OWED ON REVOLVING ACCOUNT IS TOO HIGH |
| | 14 LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED |

------------------------------------------------------------------------------
CONTINUED ON NEXT PAGE
------------------------------------------------------------------------------
| Checking Your Credit Report |
|----------------------------------------------------------------------------|
| What if there | You have a right to dispute any inaccurate information in|
| are mistakes in | your credit report. If you find mistakes on your credit |
| your credit | report, contact the consumer reporting agency. |
| report? | |
| | It is a good idea to check your credit report to make |
| | sure the information it contains is accurate. |
|-----------------|----------------------------------------------------------|
| How can you | Under Federal law, you have the right to obtain a free |
| obtain a copy of| copy of your credit report from each of the nationwide |
| your credit | consumer reporting agencies once a year. |
| report? | |
| | To order your free annual credit report: |
| | |
| | By telephone: Call toll-free: 1-877-322-8228 |
| | |
| | On the web: Visit www.annualcreditreport.com |
| | |
| | By mail: Mail your completed Annual Credit Report |
| | Request Form (which you can obtain from the|
| | Federal Trade Commission's web site at |
| | http://www.ftc.gov/bcp/conline/include/ |
| | requestformfinal.pdf |
| | |
| | Annual Credit Report Request Service |
| | P.O. Box 105281 |
| | Atlanta, GA 30348-5281 |
|-----------------|----------------------------------------------------------|
| How can you | For more information about credit reports and your rights|
| get more | under Federal law, visit the Consumer Financial |
| information? | Protection Bureau's website at |
| | www.consumerfinance.gov/learnmore. |
------------------------------------------------------------------------------

CONTINUED ON NEXT PAGE

 Notice to Home Loan Applicant

In connection with your application for a home loan, the lender must
disclose to you the score that a consumer reporting agency distributed to
users and the lender used in connection with your home loan, and the key
factors affecting your credit scores.

The credit score is a computer generated summary calculated at the time of

the request and based on information that a consumer reporting agency or
lender has on file. The scores are based on data about your credit history
and payment patterns. Credit scores are important because they are used to
assist the lender in determining whether you will obtain a loan. They may
also be used to determine what interest rate you may be offered on the
mortgage. Credit scores can change over time, depending on your conduct, how
your credit history and payment patterns change, and how credit scoring
technologies change.

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

important that you review the credit-related information that is being
furnished to make sure it is accurate. Credit records may vary from one
company to another.

If you have questions about your credit score or the credit information that
is furnished to you, contact the consumer reporting agency at the address
and telephone number provided with this notice, or contact the lender, if
the lender developed or generated the credit score. The consumer reporting
agency plays no part in the decision to take any action on the loan
application and is unable to provide you with specific reasons for the
decision on a loan application.

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

Equifax Consumer Relations

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

H3-
2.4.8.0