24004

PERSON NAME: HARDER, MICHAEL DAVID
PERSON SSN : 933-27-8126

FIRST NAME : HARDER
LAST NAME : MICHAEL DAVID
PERSON DOB : 12/06/63
PERSON ADRESS: 18927 SE 260TH ST., COVINGTON, WA 98042
PERSON SCORE: 839
-------------------------------------------------------------------
MARCEIL L HARDER
HARDER,MARCIE,L
STOUT,MARCEIL,L
DOB: 11/02/57
544-78-4379
18927 SE 260TH ST, COVINGTON, WA 98042-6055 06/14
2843 SW VOLCANO CT, REDMOND, OR 97756-8088 09/05
23032 SE 245TH PL, MAPLE VALLEY, WA 98038-6871 07/11
AUBURN, WA 09/12
SEATTLE MECHANICA/SALES COORDINATOR/ 11/11
DAY SHIP SUPPLY//
Page: 1/7
-------------------------------------------------------------------
APPLICANT:HARDER, MICHAEL DAVID
SSN :527-27-8126
ADDRESS :18927 SE 260TH ST., COVINGTON, WA 98042
-------------------------------------------------------------------
5 - EQUIFAX
MICHAEL D HARDER DOB: 12/06/63
527-27-8126
18927 SE 260TH ST, COVINGTON, WA 98042 07/14 - 07/19
23032 SE 245TH PL, MAPLE VALLEY, WA 98038 09/11 -
10/14
2843 SW VOLCANO CT, REDMOND, OR 97756 09/05 - 09/11
US COAST GUARD/MECHANIC/
6 - EQUIFAX
MARCELL L HARDER DOB: 11/02/57
MARCEIL MICHAEL HARDER
MARCIE L HARDER
MARCEIL L STOUT
544-78-4379
18927 SE 260TH ST, COVINGTON, WA 98042 06/14 - 07/19
23032 SE 245TH PL, MAPLE VALLEY, WA 98038 09/11 -
10/14
2843 SW VOLCANO CT, REDMOND, OR 97756 09/05 - 11/13
COOSCOUNTYESD//
USC6//
NA//
-------------------------------------------------------------------
S C O R E M O D E L S
-------------------------------------------------------------------
MICHAEL D HARDER - 527278126
EQUIFAX/FICO CLASSIC V5 FACTA 807
00006 - TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS
00011 - AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
00033 - PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO
HIGH

TRANSUNION/FICO CLASSIC (04) 815
003 - PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

EXPERIAN/FAIR, ISAAC (VER. 2) 839
01 - AMOUNT OWED ON ACCOUNTS IS TOO HIGH
MARCELL L HARDER - 544784379

EQUIFAX/FICO CLASSIC V5 FACTA 807
00006 - TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS
00011 - AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
00033 - PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO
HIGH
MARCEIL L HARDER - 544784379

TRANSUNION/FICO CLASSIC (04) 815
003 - PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
Page: 2/7
-------------------------------------------------------------------
SSN :527-27-8126
-------------------------------------------------------------------
MARCEIL L HARDER - 544784379

EXPERIAN/FAIR, ISAAC (VER. 2) 839
01 - AMOUNT OWED ON ACCOUNTS IS TOO HIGH
-------------------------------------------------------------------
A L E R T
-------------------------------------------------------------------
MICHAEL D HARDER YOB: 1963
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED
MARCEIL L HARDER YOB: 1957
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
-------------------------------------------------------------------
HARDER, MICHAEL DAVID 527-27-8126
REMARK: AVAILABLE AND CLEAR
HARDER, MARCEIL LOUISE 544-78-4379

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 BOEING EMPLOYEES C U 072 06/19 $36808 AS AGREED
2009434123 AUTO 10/15 $10257 45 0 0 0
06/19 $551 XP/TU/EF
06/19: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
C J SHELL/CBNA MIN 06/19 $1300 AS AGREED

202919** REV 02/85 $147 72 0 0 0
06/19 $27 XP/TU/EF
06/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
-------------------------------------------------------------------
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
-------------------------------------------------------------------
Page: 3/7
-------------------------------------------------------------------
SSN :527-27-8126
-------------------------------------------------------------------
C J BANK OF AMERICA 07/19 $20500 AS AGREED
431307******0543 REV 08/98 $0 99 0 0 0
07/19 $0 XP/TU/EF
07/19:
J J MID OREGON FCU 07/19 $12500 AS AGREED

551920*** REV 10/09 $0 99 0 0 0
08/18 $0 XP/TU/EF
07/19:
B J CITI 11/09 $12400 PAID

542418****** REV 01/87 $0 99 0 0 0
06/09 $0 XP/EF
10/09:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;
C J BANK OF AMERICA 07/19 $11000 AS AGREED

431307******4174 REV 07/12 $0 84 0 0 0
07/19 $0 XP/TU/EF
07/19:
C C MACYS/DSNB 07/19 $2000 AS AGREED

486083****** REV 04/95 $0 99 0 0 0
02/19 $0 XP/TU/EF
07/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC--CCCCCCCCCCCCCCCCCC
C J SHELL/CBNA 05/15 $1300 INACTIVE

534022 REV 02/85 $0 99 0 0 0
04/15 $0 XP
05/15:
C C COMENITYBANK/EDDIEBAUR 06/19 $1000 AS AGREED

585637****** REV 07/03 $0 99 0 0 0
08/18 $0 XP/TU/EF
06/19:
Page: 4/7
-------------------------------------------------------------------
SSN :527-27-8126
-------------------------------------------------------------------
J J BANK OF AMERICA, N.A. 072 07/17 $32998 PAID
65010030712875 AUTO 09/12 $0 59 0 0 0
07/17 $0 XP/TU/EF
07/17:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
J J HD CREDIT 84 07/13 $24486 PAID

20080412793192 AUTO 04/08 $0 62 0 0 0
05/13 $0 XP/TU/EF
06/13:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
-------------------------------------------------------------------
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
-------------------------------------------------------------------
- BANK OF AMERICA [XP/EF] 800-215-6195
9000 SOUTHSIDE BLVD BLDG,JACKSONVILLE, FL 32256
- BANKAMERICA [TU] 800-215-6195
P.O. BOX 2240,BREA, CA 92822
- BOEING ECU [TU] 800-233-2328
12770 GATEWAY DR POB 97050,SEATTLE, WA 98124
- BOEING EMPLOYEES C U [XP] 206-439-5700
PO BOX 97050,SEATTLE, WA 98124
- BOEING EMPLOYEES CRE [EF] 206-439-5700
PO BOX 97050 CONSUMER LOAN,SEATTLE, WA 98124
- CITI [XP/EF] 800-950-5114
PO BOX 6241,SIOUX FALLS SD 57117
- CITI/SHELL [XP/EF] 800-490-9119
PO BOX 15687,WILMINGTON DE 19850
- CITI-SHELL [TU] 800-331-3703
P O BOX 15687,WILMINGTON DE 19850
- COMENITYBANK/EDDIEBAUR [XP/TU] BYMAILONLY
PO BOX 182789,COLUMBUS, OH 43218
- 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
- ESB/HARLEY DAVIDSON CR [XP] 800-699-2336
4150 TECHNOLOGY WAY,CARSON CITY NV 89706
- HARLEY DAVID [TU] 702-884-4466
3850 ARROWHEAD DRIVE,CARSON CITY, NV 89706
Page: 5/7
-------------------------------------------------------------------
SSN :527-27-8126
-------------------------------------------------------------------
- HARLEY DAVIDSON FINA [EF] p#800-699-23
4150 TECHNOLOGY WAY PVC,CARSON CITY, NV 89706
- MACY'S/DSNB [EF] 866-593-2543
911 DUKE BLVD,MASON, OH 45040
- MBNA AMERICA [TU] 800-421-2110
PO BOX 17054,WILMINGTON DE 19884
- MCYDSNB [XP] 800-956-6229
,
- MID OR FCU [TU] p#541-382-17
POB 5215,BEND OR 97708
- MID OR VSA [EF] p#541-382-17
202 NE OLNEY,BEND, OR 97701-4251
- MID OREGON FCU [XP] 541-382-1795
1386 NE CUSHING DR,BEND, OR 97701
- SHELL/CBNA [XP] BYMAILONLY
PO BOX 6497,SIOUX FALLS, SD 57117
- WFNNB/EDDIE BAUER-TA [EF] 866-691-0053
PO BOX 659705,COLUMBUS, OH 43218
-------------------------------------------------------------------
T R A D E S U M M A R Y
-------------------------------------------------------------------
# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 0 0 0 0 0
AUTO 3 10257 36808 551 0
EDUCATION 0 0 0 0 0
OTHER INSTALLM 0 0 0 0 0
OPEN 0 0 0 0 0
REVOLVING 8 147 48300 27 0
OTHER 0 0 0 0 0
TOTAL 11 10404 85108 578 0
SECURED DEBT 10257 HIGH CREDIT 85108

UNSECURED DEBT 147 REV CREDIT UTILIZATION 0%
OLDEST TRADE 02/85 TOTAL DEBT/HIGH CREDIT 12%
-------------------------------------------------------------------
D E R O G A T O R Y S U M M A R Y
-------------------------------------------------------------------
CHARGE OFFS 0 30 DAYS 0 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-2B28F0AA
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 49366112 and password AV-2B28F0AA to view the
report. For any inquiries regarding this report or services
provided by CREDIT PLUS 2 please contact us at (800) 258-3488.
Page: 6/7
-------------------------------------------------------------------
SSN :527-27-8126
-------------------------------------------------------------------
-------------------------------------------------------------------
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
-------------------------------------------------------------------
T R E N D S U M M A R Y
-------------------------------------------------------------------
*** END OF REPORT 7/24/2019 11:54:55 AM ***

Page: 7/7
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 262 REPORT #: 49366112

14635 N KIERLAND BLVD STE 140 REFERENCE #: 2620001692
SCOTTSDALE, AZ 85254
4807250150
RETURN SERVICE REQUESTED
MICHAEL DAVID HARDER

18927 SE 260TH ST.
COVINGTON, WA 98042
=================================================================
YOUR CREDIT SCORE - 839
Source: EXPERIAN Date: 07/24/19
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 99 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* AMOUNT OWED ON ACCOUNTS IS TOO HIGH
=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
Page: 1/18
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

4807250150
MARCEIL LOUISE HARDER

18927 SE 260TH ST.
COVINGTON, WA 98042
=================================================================
Source: EXPERIAN Date: 07/24/19
Model: EXPERIAN/FAIR, ISAAC (VER. 2)
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------
your credit report.


history changes.
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
* 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

4807250150

18927 SE 260TH ST.
COVINGTON, WA 98042
=================================================================
Source: TRANS UNION Date: 07/24/19
Model: TRANSUNION/FICO CLASSIC (04)
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------
your credit report.


history changes.
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
* PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
=================================================================
Page: 7/18
-----------------------------------------------------------------
-----------------------------------------------------------------

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

site at

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





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

4807250150

18927 SE 260TH ST.
COVINGTON, WA 98042
=================================================================
Source: TRANS UNION Date: 07/24/19
Model: TRANSUNION/FICO CLASSIC (04)
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------
your credit report.


history changes.
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
* 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

4807250150

18927 SE 260TH ST.
COVINGTON, WA 98042
=================================================================
Source: EQUIFAX Date: 07/24/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------
your credit report.


history changes.
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
* TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
=================================================================
Page: 13/18
-----------------------------------------------------------------
-----------------------------------------------------------------

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

site at

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





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

4807250150

18927 SE 260TH ST.
COVINGTON, WA 98042
=================================================================
Source: EQUIFAX Date: 07/24/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA
=================================================================
-----------------------------------------------------------------
-----------------------------------------------------------------
your credit report.


history changes.
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
-----------------------------------------------------------------
* TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS
* 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 - 262
14635 N KIERLAND BLVD STE 140
4807250150

CREDIT SCORE INFORMATION DISCLOSURE
HARDER, MICHAEL DAVID

18927 SE 260TH ST.
COVINGTON, WA 98042

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
7/24/2019.
Applicant : HARDER, MICHAEL DAVID

Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 807 Range: 334-818
Key Factors affecting the score:
- TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
- PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH

Name of Score: TRANSUNION/FICO CLASSIC (04)
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
- AMOUNT OWED ON ACCOUNTS IS TOO HIGH
Borrower Signature _________________________________________ Date

__________
Page: 2/2
CORNERSTONE HOME LENDING INC - 262
14635 N KIERLAND BLVD STE 140
4807250150

CREDIT SCORE INFORMATION DISCLOSURE
HARDER, MARCEIL LOUISE

18927 SE 260TH ST.
COVINGTON, WA 98042

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
7/24/2019.
Applicant : HARDER, MARCEIL LOUISE

Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
- TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH

Name of Score: TRANSUNION/FICO CLASSIC (04)
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
- AMOUNT OWED ON ACCOUNTS IS TOO HIGH
Borrower Signature _________________________________________ Date

__________
Page: 2/2

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PERSON NAME: HARDER, MICHAEL DAVID

PERSON SSN : 933-27-8126

MICHAEL D HARDER - 527278126

MICHAEL D HARDER - 527278126

MARCELL L HARDER - 544784379

MARCEIL L HARDER - 544784379

MARCEIL L HARDER - 544784379

HARDER, MARCEIL LOUISE 544-78-4379

C J SHELL/CBNA MIN 06/19 $1300 AS AGREED

J J MID OREGON FCU 07/19 $12500 AS AGREED

B J CITI 11/09 $12400 PAID

C J BANK OF AMERICA 07/19 $11000 AS AGREED

C C MACYS/DSNB 07/19 $2000 AS AGREED

C J SHELL/CBNA 05/15 $1300 INACTIVE

C C COMENITYBANK/EDDIEBAUR 06/19 $1000 AS AGREED

J J HD CREDIT 84 07/13 $24486 PAID

SECURED DEBT 10257 HIGH CREDIT 85108

An asterisk (*) following the payment amount indicates the

This is a report containing information supplied by the

TRANS UNION EQUIFAX EXPERIAN

*** END OF REPORT 7/24/2019 11:54:55 AM ***

CORNERSTONE HOME LENDING INC - 262 REPORT #: 49366112

RETURN SERVICE REQUESTED

MICHAEL DAVID HARDER

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 - 262 REPORT #: 49366112

RETURN SERVICE REQUESTED

MARCEIL LOUISE HARDER

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 - 262 REPORT #: 49366112

RETURN SERVICE REQUESTED

MICHAEL DAVID HARDER

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

* END OF REPORT 7/24/2019 11:54:55 AM *