PERSON NAME: HICK, THEODORE

PERSON SSN : 730-62-7237

FIRST NAME : HICK
LAST NAME : THEODORE
PERSON DOB : 07/07/50
PERSON ADRESS: 14145 DORADO CT, BROOMFIELD, CO 80023
PERSON SCORE: 809
-------------------------------------------------------------------
SECURED;

B B CAPITAL ONE BANK USA N 04/19 $20000 AS AGREED

414709****** REV 06/16 $0 34 0 0 0
04/19 $0 XP/TU/EF
04/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;

B B WELLS FARGO 03/17 $17000 PAID

370276****** REV 12/13 $0 39 0 0 0
02/16 $0 XP/TU/EF
03/17: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER;

B B BARCLAYS BANK DELAWARE 04/19 $12000 AS AGREED

000114***** REV 08/09 $0 99 0 0 0
03/19 $0 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;

Page: 3/8
-------------------------------------------------------------------
APPLICANT:HICK, THEODORE
SSN :520-62-7237
ADDRESS :14145 DORADO CT, BROOMFIELD, CO 80023
-------------------------------------------------------------------
B B BB&B/CBNA 02/13 $2500 PAID
603525******7151 REV 01/07 $0 73 0 0 0
01/07 $0 XP/TU/EF
02/13: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;

B B SYNCB/CHEV 06/17 $2000 PAID

706159****** REV 11/79 $0 99 0 0 0
05/08 $0 XP/EF
03/12:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

B B FIRSTBANK 11/13 $1000 PAID

646282**** REV 04/11 $0 33 0 0 0
--/-- $0 XP/TU/EF
11/13: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; CHECK CREDIT OR
LINE OF CREDIT;

B B DSNB MACYS 09/18 $600 PAID

450477****** REV 02/08 $0 82 0 0 0
04/13 $0 XP/TU/EF
09/18:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC---CCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;

B B MACYS/DSNB 09/15 $100 PAID

450477******0 REV 02/08 $0 92 0 0 0
06/08 $0 XP/TU/EF
09/15:
--CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED DUE TO TRANSFER;

B B BK OF AMER 360 11/10 $205000 PAID

36852907 MTG 10/03 $0 82 0 0 0
11/10 $0 XP/TU/EF
11/10:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-CCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED DUE TO REFINANCE; CONVENTIONAL REAL
ESTATE LOAN, INCLUDING PURCHASE MONEY FIRST;

B B BK OF AMER 360 05/15 $320000 PAID

228402746 MTG 11/10 $0 54 0 0 0
03/15 $0 XP/TU/EF
05/15: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST; FANNIE MAE ACCOUNT;
Page: 4/8
-------------------------------------------------------------------
APPLICANT:HICK, THEODORE
SSN :520-62-7237
ADDRESS :14145 DORADO CT, BROOMFIELD, CO 80023
-------------------------------------------------------------------
B B BK OF AMER 360 12/12 $370000 PAID
228403578 MTG 11/10 $0 26 0 0 0
12/12 $0 XP/TU/EF
12/12: -CCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST;

B B FIRSTBANK UNK 06/15 $612000 PAID

8480588 MTG 04/15 $0 4 0 0 0
06/15 $0 XP/TU/EF
06/15: -CCC
REMARK: REAL ESTATE-JR LIENS/NON-PURCHASE MONEY;

B B FORD MOTOR CREDIT COMP060 01/19 $10000 PAID

50329037 AUTO 05/14 $0 56 0 0 0
01/19 $0 XP/TU/EF
01/19: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

B B FORD MOTOR CREDIT COMP060 07/14 $7631 PAID

48313409 AUTO 12/12 $0 19 0 0 0
06/14 $0 XP/TU/EF
07/14: -CCCCCCCCCCCCCCCCCC

-------------------------------------------------------------------
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 )
-------------------------------------------------------------------
XP 03/03/19 FACTUAL DATA FINANCE

-------------------------------------------------------------------
C R E D I T O R S
-------------------------------------------------------------------
- BANK OF AMERICA, N.A. [XP] 800-669-6607
400 COUNTRYWIDE WAY,SIMI VALLEY, CA 93065
- BARCLAYSBK [EF] p#302-622-89
1007 ORANGE STREET SUITE 1541 PO BOX 26182,WILMINGTON, DE 1980
- BB&B/CBNA [TU]
PO BOX 6497,SIOUX FALLS, SD 57117
- BB&B/CBUSA [XP/EF] 888-337-6255
PO BOX 9714,GRAY, TN 37615
- BK OF AMER [TU] 800-669-6607
,
- CAPITAL 1 BK [TU] 800-955-7070
11013 W BROAD ST,GLEN ALLEN VA 23060
Page: 5/8
-------------------------------------------------------------------
APPLICANT:HICK, THEODORE
SSN :520-62-7237
ADDRESS :14145 DORADO CT, BROOMFIELD, CO 80023
-------------------------------------------------------------------
- CAPITAL ONE auto [XP] 800-955-7070
PO BOX 85520,RICHMOND VA 23285
- CAPITAL ONE BANK USA N [EF] 800-955-7070
,
- Credit Plus [TU] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- DSNB MACYS [TU] 800-956-6229
PO BOX 8218,MASON, OH 45040
- FACTUAL DATA [XP] 800-929-3400
PO BOX 1055,PITTSBURGH, PA 15230
- FIRSTBANK CO [TU] 303-238-9000
PO BOX 150097,LAKEWOOD, CO 80215
- FIRSTBANK OF COLORADO [XP] 800-964-3444
12345 W COLFAX AVE,LAKEWOOD, CO 80215
- FMCC see notes [EF] 800-727-7000
,
- FORD CRED [XP] 800-727-7000
PO BOX BOX 542000,OMAHA NE 68154
- FORD MOTOR CREDIT NATL RECOVERY [MANUA 800-732-2264
,
- GE MONEY BANK/CHEVRON [XP] 800-243-8766
,
- GEMB/CHEVRON PLCC [EF] 800-243-8766
,
- guild mortgage [EF]
450 AMERICAN ST,SIMI VALLEY CA 93065
- JUNIPER BANK [XP/TU] 888-232-0780
1007 N ORANGE ST,WILMINGTON, DE 19801
- MACY'S/DSNB [EF] 866-593-2543
911 DUKE BLVD,MASON, OH 45040
- MCYDSNB [XP] 800-956-6229
,
- UNVL/CITI [XP/TU/EF] 800-950-5114
PO BOX 44167,JACKSONVILLE, FL 32231
- WELLS FARGO [TU] 888-667-6059
P O BOX 10438,DES MOINES, IA 50306
- WELLS FARGO BANK [XP/TU] 800-642-4720
PO BOX 5445,PORTLAND OR 97228
- WELLS FARGO BANK NV NA [XP] 888-667-6059
,
- WELSHMQTY [EF] 888-667-6059
4455 ARROWSWEST DRIVE,COLORADO SPRINGS, CO 80907
- WFB CD SVC [EF] p#800-642-47
P.O. BOX 3696,PORTLAND, OR 97208

-------------------------------------------------------------------
T R A D E S U M M A R Y
-------------------------------------------------------------------
Page: 6/8
-------------------------------------------------------------------
APPLICANT:HICK, THEODORE
SSN :520-62-7237
ADDRESS :14145 DORADO CT, BROOMFIELD, CO 80023
-------------------------------------------------------------------
# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 6 512966 555000 3530 0
AUTO 2 0 0 0 0
EDUCATION 0 0 0 0 0
OTHER INSTALLM 0 0 0 0 0
OPEN 0 0 0 0 0
REVOLVING 12 154250 259500 684 0
OTHER 0 0 0 0 0
TOTAL 20 667216 814500 4214 0

SECURED DEBT 666980 HIGH CREDIT 814500

UNSECURED DEBT 236 REV CREDIT UTILIZATION 59%
OLDEST TRADE 11/79 TOTAL DEBT/HIGH CREDIT 82%

-------------------------------------------------------------------
D E R O G A T O R Y S U M M A R Y
-------------------------------------------------------------------
CHARGE OFFS 0 30 DAYS 0 INQUIRIES 1
COLLECTIONS 0 60 DAYS 0 DISPUTES 1
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-28ED655
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 48089025 and password AV-28ED655 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: 7/8
-------------------------------------------------------------------
APPLICANT:HICK, THEODORE
SSN :520-62-7237
ADDRESS :14145 DORADO CT, BROOMFIELD, CO 80023
-------------------------------------------------------------------

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

*** END OF REPORT 4/29/2019 3:09:10 PM ***

Page: 8/8
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

GROUP MORTGAGE LLC REPORT #: 48089025

2803 E HARMONY RD REFERENCE #: 7200008633
FORT COLLINS, CO 80528
9702292513

RETURN SERVICE REQUESTED

THEODORE HICK
14145 DORADO CT
BROOMFIELD, CO 80023
=================================================================
YOUR CREDIT SCORE - 790
Source: EXPERIAN Date: 04/29/19
Model: EXPERIAN/FAIR, ISAAC (VER. 2)

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

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

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

Your credit score can change, depending on how your credit

history changes.

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

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

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

-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 73 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL
REVOLVING ACCOUNTS
* TOO MANY INQUIRIES LAST 12 MONTHS
* NO RECENT NON-MORTGAGE BALANCE INFORMATION
* NO RECENT REVOLVING BALANCES
Page: 1/9
=================================================================
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: 2/9
 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: 3/9
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

GROUP MORTGAGE LLC REPORT #: 48089025

2803 E HARMONY RD REFERENCE #: 7200008633
FORT COLLINS, CO 80528
9702292513

RETURN SERVICE REQUESTED

THEODORE HICK
14145 DORADO CT
BROOMFIELD, CO 80023
=================================================================
YOUR CREDIT SCORE - 809
Source: TRANS UNION Date: 04/29/19
Model: TRANSUNION/FICO CLASSIC (04)

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

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

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

Your credit score can change, depending on how your credit

history changes.

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

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

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

-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 92 percent of U.S. consumers.

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

=================================================================
CHECKING YOUR CREDIT REPORT
Page: 4/9
-----------------------------------------------------------------
What if there are mistakes in your credit report?
-----------------------------------------------------------------
You have a right to dispute any inaccurate information in your
credit report. If you find mistakes on your credit report,
contact the consumer reporting agency.

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

information it contains is accurate.

-----------------------------------------------------------------
How can you obtain a copy of your credit report?
-----------------------------------------------------------------
Under federal law, you have the right to obtain a free copy of
your credit report from each of the nationwide consumer reporting
agencies once a year.

To order your free annual credit report:

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

* ON THE WEB: Visit www.annualcreditreport.com

* BY MAIL: Mail your completed Annual Credit Report Request Form

(which you can obtain from the Federal Trade Commission's web
site at
http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to:

Annual Credit Report Request Service

P.O. Box 105281
Atlanta, GA 30348-5281

-----------------------------------------------------------------
How can you get more information?
-----------------------------------------------------------------
For more information about credit reports and your rights under
Federal law, visit the Consumer Financial Protection Bureau's web
site at www.consumerfinance.gov/learnmore.
Page: 5/9
 NOTICE TO THE HOME LOAN APPLICANT

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

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

The credit score is a computer generated summary calculated at

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

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

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

If you have questions about your credit score or the credit

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

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

the lender.

------------------------------------------------------------------
-----------------
Signature
Date
Page: 6/9
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

GROUP MORTGAGE LLC REPORT #: 48089025

2803 E HARMONY RD REFERENCE #: 7200008633
FORT COLLINS, CO 80528
9702292513

RETURN SERVICE REQUESTED

THEODORE HICK
14145 DORADO CT
BROOMFIELD, CO 80023
=================================================================
YOUR CREDIT SCORE - 809
Source: EQUIFAX Date: 04/29/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA

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

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

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

Your credit score can change, depending on how your credit

history changes.

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

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

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

-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 93 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* NO RECENT REVOLVING BALANCES

=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
Page: 7/9
What if there are mistakes in your credit report?
-----------------------------------------------------------------
You have a right to dispute any inaccurate information in your
credit report. If you find mistakes on your credit report,
contact the consumer reporting agency.

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

information it contains is accurate.

-----------------------------------------------------------------
How can you obtain a copy of your credit report?
-----------------------------------------------------------------
Under federal law, you have the right to obtain a free copy of
your credit report from each of the nationwide consumer reporting
agencies once a year.

To order your free annual credit report:

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

* ON THE WEB: Visit www.annualcreditreport.com

* BY MAIL: Mail your completed Annual Credit Report Request Form

(which you can obtain from the Federal Trade Commission's web
site at
http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to:

Annual Credit Report Request Service

P.O. Box 105281
Atlanta, GA 30348-5281

-----------------------------------------------------------------
How can you get more information?
-----------------------------------------------------------------
For more information about credit reports and your rights under
Federal law, visit the Consumer Financial Protection Bureau's web
site at www.consumerfinance.gov/learnmore.
Page: 8/9
 NOTICE TO THE HOME LOAN APPLICANT

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

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

The credit score is a computer generated summary calculated at

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

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

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

If you have questions about your credit score or the credit

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

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

the lender.

------------------------------------------------------------------
-----------------
Signature
Date
Page: 9/9
GROUP MORTGAGE LLC
2803 E HARMONY RD
FORT COLLINS, CO 80528
9702292513

NOTICE TO THE HOME LOAN APPLICANT

CREDIT SCORE INFORMATION DISCLOSURE

HICK, THEODORE
14145 DORADO CT
BROOMFIELD, CO 80023

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

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

The credit score is a computer generated summary calculated at the

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

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

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

If you have questions about your credit score or the credit

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

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

Your credit scores were provided by the following credit reporting

agencies:

TRANSUNION EQUIFAX EXPERIAN

PO BOX 2000 PO BOX 740241 PO BOX 2002
CHESTER, PA 19016 ATLANTA, GA 30374 ALLEN, TX 75013
800-916-8800 800-685-1111 888-397-3742
transunion.com/myoptions www.experian.com/reportaccess
www.equifax.com/fcra
 The following information about your credit scores was created on
Page: 1/2
 4/29/2019.

Applicant : HICK, THEODORE

Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 809 Range: 334-818
Key Factors affecting the score:
- NO RECENT REVOLVING BALANCES

Applicant : HICK, THEODORE

Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 809 Range: 309-839
Key Factors affecting the score:
- NO RECENT REVOLVING BALANCES
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Applicant : HICK, THEODORE

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 790 Range: 300-850
Key Factors affecting the score:
- PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR
ALL REVOLVING ACCOUNTS
- TOO MANY INQUIRIES LAST 12 MONTHS
- NO RECENT NON-MORTGAGE BALANCE INFORMATION
- NO RECENT REVOLVING BALANCES

Borrower Signature _________________________________________ Date

__________
Page: 2/2
-------------------------------------------------------------------
APPLICANT:HICK, THEODORE CO-APP:
SSN :520-62-7237 CO-SSN:
ADDRESS :14145 DORADO CT, BROOMFIELD, CO 80023
-------------------------------------------------------------------
S O U R C E O F I N F O R M A T I O N
-------------------------------------------------------------------
1 - EXPERIAN
THEODORE J HICK 520627237 DOB: 07/07/50
TED HICK 520627237 DOB: N/A
520-62-7237
14145 DORADO CT, BROOMFIELD, CO 80023-4001 07/15 -
07/16
1213 LINDENWOOD DR, FORT COLLINS, CO 80524-2235 03/12
- 07/15
5935 S KEARNEY ST, CENTENNIAL, CO 80111-4232 08/11 -
10/11
CMBC// 05/00

2 - TRANSUNION
THEODORE J HICK
HICK,T,J
DOB: 07/07/50
520-62-7237
14145 DORADO CT, BROOMFIELD, CO 80023-4001 07/15
1213 LINDENWOOD DR, FORT COLLINS, CO 80524-2235 02/12
5935 S KEARNEY ST, CENTENNIAL, CO 80111-4232 08/11
CHEVRON/CHIEF ENGIN/

3 - EQUIFAX
T J HICK DOB: 07/07/50
THEODORE J HICK
520-62-7237
14145 DORADO CT, BROOMFIELD, CO 80023 07/15 - 04/19
1213 LINDENWOOD DR, FORT COLLINS, CO 80524 05/12 -
09/15
5935 S KEARNEY ST, CENTENNIAL, CO 80111 08/11 - 03/12
/CHEVRONTEXACO/
/CHEVRONTEXACO/
CHEV ASPHALT REFINERY//

-------------------------------------------------------------------
S C O R E M O D E L S
-------------------------------------------------------------------
T J HICK - 520627237
EQUIFAX/FICO CLASSIC V5 FACTA 809
00024 - NO RECENT REVOLVING BALANCES

THEODORE J HICK - 520627237

TRANSUNION/FICO CLASSIC (04) 809
024 - NO RECENT REVOLVING BALANCES
014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Page: 1/8
-------------------------------------------------------------------
APPLICANT:HICK, THEODORE
SSN :520-62-7237
ADDRESS :14145 DORADO CT, BROOMFIELD, CO 80023
-------------------------------------------------------------------
THEODORE J HICK - 520627237
EXPERIAN/FAIR, ISAAC (VER. 2) 790
10 - PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING
OR ALL REVOLVING ACCOUNTS
08 - TOO MANY INQUIRIES LAST 12 MONTHS
17 - NO RECENT NON-MORTGAGE BALANCE INFORMATION
24 - NO RECENT REVOLVING BALANCES

-------------------------------------------------------------------
A L E R T
-------------------------------------------------------------------
THEODORE J HICK YOB: 1950
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED

-------------------------------------------------------------------
T U I D V I S I O N A L E R T
-------------------------------------------------------------------
HICK, THEODORE 520-62-7237
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
-------------------------------------------------------------------
B B AIG HOME LOAN 360 04/19 $555000 AS AGREED
3000069364545 MTG 04/15 $512966 47 0 0 0
04/19 $3530 XP/TU/EF
04/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST;

B B FIRSTBANK MIN 03/19 $200000 AS AGREED

814124**** REV 09/15 $154014 44 0 0 0
03/19 $659 XP/TU/EF
03/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CREDIT LINE SECURED;

B B UNIVERSAL CARD CBNA MIN 04/19 $27500 AS AGREED

539655****** REV 02/91 $236 99 0 0 0
04/19 $25 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT INFORMATION DISPUTED BY CONSUMER;
Page: 2/8
-------------------------------------------------------------------
APPLICANT:HICK, THEODORE
SSN :520-62-7237
ADDRESS :14145 DORADO CT, BROOMFIELD, CO 80023
-------------------------------------------------------------------
-------------------------------------------------------------------
A C C O U N T S W I T H N O B A L A N C E
-------------------------------------------------------------------
E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
-------------------------------------------------------------------
B B FIRSTBANK 09/15 $100000 PAID
646122**** REV 06/15 $0 5 0 0 0
08/15 $0 XP/TU/EF
09/15: -CCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; CREDIT LINE
SECURED;

B B WELLS FARGO BANK NV NA 11/10 $100000 PAID

65065097912451998 MTG 06/10 $0 6 0 0 0
--/-- $- XP/TU/EF
11/10: -CCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; HOME EQUITY LINE
OF CREDIT - REVOLVING TERMS;

B B FIRSTBANK 11/13 $50000 PAID

646120**** REV 07/11 $0 30 0 0 0
11/13 $0 XP/TU/EF
11/13: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; CREDIT LINE
SECURED;

B B CAPITAL ONE BANK USA N 04/19 $20000 AS AGREED

414709****** REV 06/16 $0 34 0 0 0
04/19 $0 XP/TU/EF
04/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;

B B WELLS FARGO 03/17 $17000 PAID

370276****** REV 12/13 $0 39 0 0 0
02/16 $0 XP/TU/EF
03/17: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER;

B B BARCLAYS BANK DELAWARE 04/19 $12000 AS AGREED

000114***** REV 08/09 $0 99 0 0 0
03/19 $0 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;
Page: 3/8
-------------------------------------------------------------------
APPLICANT:HICK, THEODORE
SSN :520-62-7237
ADDRESS :14145 DORADO CT, BROOMFIELD, CO 80023
-------------------------------------------------------------------
B B BB&B/CBNA 02/13 $2500 PAID
603525******7151 REV 01/07 $0 73 0 0 0
01/07 $0 XP/TU/EF
02/13: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;

B B SYNCB/CHEV 06/17 $2000 PAID

706159****** REV 11/79 $0 99 0 0 0
05/08 $0 XP/EF
03/12:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

B B FIRSTBANK 11/13 $1000 PAID

646282**** REV 04/11 $0 33 0 0 0
--/-- $0 XP/TU/EF
11/13: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; CHECK CREDIT OR
LINE OF CREDIT;

B B DSNB MACYS 09/18 $600 PAID

450477****** REV 02/08 $0 82 0 0 0
04/13 $0 XP/TU/EF
09/18:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC---CCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CREDIT GRANTOR;

B B MACYS/DSNB 09/15 $100 PAID

450477******0 REV 02/08 $0 92 0 0 0
06/08 $0 XP/TU/EF
09/15:
--CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED DUE TO TRANSFER;

B B BK OF AMER 360 11/10 $205000 PAID

36852907 MTG 10/03 $0 82 0 0 0
11/10 $0 XP/TU/EF
11/10:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-CCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED DUE TO REFINANCE; CONVENTIONAL REAL
ESTATE LOAN, INCLUDING PURCHASE MONEY FIRST;

B B BK OF AMER 360 05/15 $320000 PAID

228402746 MTG 11/10 $0 54 0 0 0
03/15 $0 XP/TU/EF
05/15: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST; FANNIE MAE ACCOUNT;
Page: 4/8
-------------------------------------------------------------------
APPLICANT:HICK, THEODORE
SSN :520-62-7237
ADDRESS :14145 DORADO CT, BROOMFIELD, CO 80023
-------------------------------------------------------------------
B B BK OF AMER 360 12/12 $370000 PAID
228403578 MTG 11/10 $0 26 0 0 0
12/12 $0 XP/TU/EF
12/12: -CCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST;

B B FIRSTBANK UNK 06/15 $612000 PAID

8480588 MTG 04/15 $0 4 0 0 0
06/15 $0 XP/TU/EF
06/15: -CCC
REMARK: REAL ESTATE-JR LIENS/NON-PURCHASE MONEY;

B B FORD MOTOR CREDIT COMP060 01/19 $10000 PAID

50329037 AUTO 05/14 $0 56 0 0 0
01/19 $0 XP/TU/EF
01/19: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

B B FORD MOTOR CREDIT COMP060 07/14 $7631 PAID

48313409 AUTO 12/12 $0 19 0 0 0
06/14 $0 XP/TU/EF
07/14: -CCCCCCCCCCCCCCCCCC

-------------------------------------------------------------------
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 )
-------------------------------------------------------------------
XP 03/03/19 FACTUAL DATA FINANCE

-------------------------------------------------------------------
C R E D I T O R S
-------------------------------------------------------------------
- BANK OF AMERICA, N.A. [XP] 800-669-6607
400 COUNTRYWIDE WAY,SIMI VALLEY, CA 93065
- BARCLAYSBK [EF] p#302-622-89
1007 ORANGE STREET SUITE 1541 PO BOX 26182,WILMINGTON, DE 1980
- BB&B/CBNA [TU]
PO BOX 6497,SIOUX FALLS, SD 57117
- BB&B/CBUSA [XP/EF] 888-337-6255
PO BOX 9714,GRAY, TN 37615
- BK OF AMER [TU] 800-669-6607
,
- CAPITAL 1 BK [TU] 800-955-7070
11013 W BROAD ST,GLEN ALLEN VA 23060
Page: 5/8
-------------------------------------------------------------------
APPLICANT:HICK, THEODORE
SSN :520-62-7237
ADDRESS :14145 DORADO CT, BROOMFIELD, CO 80023
-------------------------------------------------------------------
- CAPITAL ONE auto [XP] 800-955-7070
PO BOX 85520,RICHMOND VA 23285
- CAPITAL ONE BANK USA N [EF] 800-955-7070
,
- Credit Plus [TU] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- DSNB MACYS [TU] 800-956-6229
PO BOX 8218,MASON, OH 45040
- FACTUAL DATA [XP] 800-929-3400
PO BOX 1055,PITTSBURGH, PA 15230
- FIRSTBANK CO [TU] 303-238-9000
PO BOX 150097,LAKEWOOD, CO 80215
- FIRSTBANK OF COLORADO [XP] 800-964-3444
12345 W COLFAX AVE,LAKEWOOD, CO 80215
- FMCC see notes [EF] 800-727-7000
,
- FORD CRED [XP] 800-727-7000
PO BOX BOX 542000,OMAHA NE 68154
- FORD MOTOR CREDIT NATL RECOVERY [MANUA 800-732-2264
,
- GE MONEY BANK/CHEVRON [XP] 800-243-8766
,
- GEMB/CHEVRON PLCC [EF] 800-243-8766
,
- guild mortgage [EF]
450 AMERICAN ST,SIMI VALLEY CA 93065
- JUNIPER BANK [XP/TU] 888-232-0780
1007 N ORANGE ST,WILMINGTON, DE 19801
- MACY'S/DSNB [EF] 866-593-2543
911 DUKE BLVD,MASON, OH 45040
- MCYDSNB [XP] 800-956-6229
,
- UNVL/CITI [XP/TU/EF] 800-950-5114
PO BOX 44167,JACKSONVILLE, FL 32231
- WELLS FARGO [TU] 888-667-6059
P O BOX 10438,DES MOINES, IA 50306
- WELLS FARGO BANK [XP/TU] 800-642-4720
PO BOX 5445,PORTLAND OR 97228
- WELLS FARGO BANK NV NA [XP] 888-667-6059
,
- WELSHMQTY [EF] 888-667-6059
4455 ARROWSWEST DRIVE,COLORADO SPRINGS, CO 80907
- WFB CD SVC [EF] p#800-642-47
P.O. BOX 3696,PORTLAND, OR 97208

-------------------------------------------------------------------
T R A D E S U M M A R Y
-------------------------------------------------------------------
Page: 6/8
-------------------------------------------------------------------
APPLICANT:HICK, THEODORE
SSN :520-62-7237
ADDRESS :14145 DORADO CT, BROOMFIELD, CO 80023
-------------------------------------------------------------------
# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 6 512966 555000 3530 0
AUTO 2 0 0 0 0
EDUCATION 0 0 0 0 0
OTHER INSTALLM 0 0 0 0 0
OPEN 0 0 0 0 0
REVOLVING 12 154250 259500 684 0
OTHER 0 0 0 0 0
TOTAL 20 667216 814500 4214 0

SECURED DEBT 666980 HIGH CREDIT 814500

UNSECURED DEBT 236 REV CREDIT UTILIZATION 59%
OLDEST TRADE 11/79 TOTAL DEBT/HIGH CREDIT 82%

-------------------------------------------------------------------
D E R O G A T O R Y S U M M A R Y
-------------------------------------------------------------------
CHARGE OFFS 0 30 DAYS 0 INQUIRIES 1
COLLECTIONS 0 60 DAYS 0 DISPUTES 1
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-28ED655
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 48089025 and password AV-28ED655 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: 7/8
-------------------------------------------------------------------
APPLICANT:HICK, THEODORE
SSN :520-62-7237
ADDRESS :14145 DORADO CT, BROOMFIELD, CO 80023
-------------------------------------------------------------------

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

*** END OF REPORT 4/29/2019 3:09:10 PM ***

Page: 8/8
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

GROUP MORTGAGE LLC REPORT #: 48089025

2803 E HARMONY RD REFERENCE #: 7200008633
FORT COLLINS, CO 80528
9702292513

RETURN SERVICE REQUESTED

THEODORE HICK
14145 DORADO CT
BROOMFIELD, CO 80023
=================================================================
YOUR CREDIT SCORE - 790
Source: EXPERIAN Date: 04/29/19
Model: EXPERIAN/FAIR, ISAAC (VER. 2)

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

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

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

Your credit score can change, depending on how your credit

history changes.

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

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

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

-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 73 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL
REVOLVING ACCOUNTS
* TOO MANY INQUIRIES LAST 12 MONTHS
* NO RECENT NON-MORTGAGE BALANCE INFORMATION
* NO RECENT REVOLVING BALANCES
Page: 1/9
=================================================================
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: 2/9
 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: 3/9
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

GROUP MORTGAGE LLC REPORT #: 48089025

2803 E HARMONY RD REFERENCE #: 7200008633
FORT COLLINS, CO 80528
9702292513

RETURN SERVICE REQUESTED

THEODORE HICK
14145 DORADO CT
BROOMFIELD, CO 80023
=================================================================
YOUR CREDIT SCORE - 809
Source: TRANS UNION Date: 04/29/19
Model: TRANSUNION/FICO CLASSIC (04)

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

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

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

Your credit score can change, depending on how your credit

history changes.

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

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

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

-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 92 percent of U.S. consumers.

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

=================================================================
CHECKING YOUR CREDIT REPORT
Page: 4/9
-----------------------------------------------------------------
What if there are mistakes in your credit report?
-----------------------------------------------------------------
You have a right to dispute any inaccurate information in your
credit report. If you find mistakes on your credit report,
contact the consumer reporting agency.

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

information it contains is accurate.

-----------------------------------------------------------------
How can you obtain a copy of your credit report?
-----------------------------------------------------------------
Under federal law, you have the right to obtain a free copy of
your credit report from each of the nationwide consumer reporting
agencies once a year.

To order your free annual credit report:

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

* ON THE WEB: Visit www.annualcreditreport.com

* BY MAIL: Mail your completed Annual Credit Report Request Form

(which you can obtain from the Federal Trade Commission's web
site at
http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to:

Annual Credit Report Request Service

P.O. Box 105281
Atlanta, GA 30348-5281

-----------------------------------------------------------------
How can you get more information?
-----------------------------------------------------------------
For more information about credit reports and your rights under
Federal law, visit the Consumer Financial Protection Bureau's web
site at www.consumerfinance.gov/learnmore.
Page: 5/9
 NOTICE TO THE HOME LOAN APPLICANT

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

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

The credit score is a computer generated summary calculated at

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

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

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

If you have questions about your credit score or the credit

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

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

the lender.

------------------------------------------------------------------
-----------------
Signature
Date
Page: 6/9
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

GROUP MORTGAGE LLC REPORT #: 48089025

2803 E HARMONY RD REFERENCE #: 7200008633
FORT COLLINS, CO 80528
9702292513

RETURN SERVICE REQUESTED

THEODORE HICK
14145 DORADO CT
BROOMFIELD, CO 80023
=================================================================
YOUR CREDIT SCORE - 809
Source: EQUIFAX Date: 04/29/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA

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

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

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

Your credit score can change, depending on how your credit

history changes.

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

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

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

-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 93 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* NO RECENT REVOLVING BALANCES

=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
Page: 7/9
What if there are mistakes in your credit report?
-----------------------------------------------------------------
You have a right to dispute any inaccurate information in your
credit report. If you find mistakes on your credit report,
contact the consumer reporting agency.

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

information it contains is accurate.

-----------------------------------------------------------------
How can you obtain a copy of your credit report?
-----------------------------------------------------------------
Under federal law, you have the right to obtain a free copy of
your credit report from each of the nationwide consumer reporting
agencies once a year.

To order your free annual credit report:

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

* ON THE WEB: Visit www.annualcreditreport.com

* BY MAIL: Mail your completed Annual Credit Report Request Form

(which you can obtain from the Federal Trade Commission's web
site at
http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to:

Annual Credit Report Request Service

P.O. Box 105281
Atlanta, GA 30348-5281

-----------------------------------------------------------------
How can you get more information?
-----------------------------------------------------------------
For more information about credit reports and your rights under
Federal law, visit the Consumer Financial Protection Bureau's web
site at www.consumerfinance.gov/learnmore.
Page: 8/9
 NOTICE TO THE HOME LOAN APPLICANT

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

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

The credit score is a computer generated summary calculated at

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

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

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

If you have questions about your credit score or the credit

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

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

the lender.

------------------------------------------------------------------
-----------------
Signature
Date
Page: 9/9
GROUP MORTGAGE LLC
2803 E HARMONY RD
FORT COLLINS, CO 80528
9702292513

NOTICE TO THE HOME LOAN APPLICANT

CREDIT SCORE INFORMATION DISCLOSURE

HICK, THEODORE
14145 DORADO CT
BROOMFIELD, CO 80023

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

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

The credit score is a computer generated summary calculated at the

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

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

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

If you have questions about your credit score or the credit

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

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

Your credit scores were provided by the following credit reporting

agencies:

TRANSUNION EQUIFAX EXPERIAN

PO BOX 2000 PO BOX 740241 PO BOX 2002
CHESTER, PA 19016 ATLANTA, GA 30374 ALLEN, TX 75013
800-916-8800 800-685-1111 888-397-3742
transunion.com/myoptions www.experian.com/reportaccess
www.equifax.com/fcra
 The following information about your credit scores was created on
Page: 1/2
 4/29/2019.

Applicant : HICK, THEODORE

Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 809 Range: 334-818
Key Factors affecting the score:
- NO RECENT REVOLVING BALANCES

Applicant : HICK, THEODORE

Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 809 Range: 309-839
Key Factors affecting the score:
- NO RECENT REVOLVING BALANCES
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Applicant : HICK, THEODORE

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 790 Range: 300-850
Key Factors affecting the score:
- PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR
ALL REVOLVING ACCOUNTS
- TOO MANY INQUIRIES LAST 12 MONTHS
- NO RECENT NON-MORTGAGE BALANCE INFORMATION
- NO RECENT REVOLVING BALANCES

Borrower Signature _________________________________________ Date

__________
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