Professional Documents
Culture Documents
Page: 5/14
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APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
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B B REGION/AMS 072 03/19 $55940 PAID
00001716000000009004591009 07/16 $0 33 0 0 0
03/19 $0 XP/TU/EF
03/19: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
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O T H E R C R E D I T H I S T O R Y
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*** NO RECORD FOUND ***
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A L I A S V A R I A T I O N S
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STEPHEN G TAYS 585603849 DOB: 08/26/54
STEVE TAYS 585603849 DOB: N/A
NANCY J TAYS 527704918 DOB: 05/19/52
TAYS NANCY JEAN 527704918 DOB: N/A
NANCY JEAN FOSTER 527704918 DOB: N/A
STEPHEN G TAYS
TAYES,STEPHEN,GARY
DOB: 08/26/54
NANCY JEAN TAYS
FOSTER,NANCY
DOB: 05/19/52
STEPHEN G TAYS DOB: 08/26/54
STEPHEN G TAYS
NANCY JEAN TAYS DOB: 05/19/52
NANCY J TAYS
NANCY JEAN FOSTER
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I N Q U I R I E S ( L A S T 1 2 0 D A Y S )
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XP/TU 03/19/19 CDK/TOWN EAST FORD SAL AUTOMOTIVE
XP 03/19/19 PNC BANK BANKING
TU 03/19/19 SUNTRUST ATL BANKING
EF 03/19/19 TWNEASFORD AUTOMOTIVE
EF 03/19/19 CHASE AUTO BANKING
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A D D R E S S V A R I A T I O N S
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5306 VIRBURNUM CT, ARLINGTON, TX 76018-1653 04/95 -
09/97
2670 CLAREMONT DR, GRAND PRAIRIE, TX 75052-3805 01/97
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 03/98 -
08/18
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 03/98 -
08/18
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 01/04
11066 PECAN PARK BV #D407, CEDAR PARK, TX 78613-1515
Page: 7/14
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APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
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02/04
11066 PECAN PARK BLVD STE 113, CEDAR PARK, TX 78613
02/04 - 03/11
11066 PECAN PARK BLVD STE 113, CEDAR PARK, TX 78613
02/04 - 09/09
1425 SPIDERLILY VW, CEDAR PARK, TX 78613 03/04 -
04/19
AUSTIN, TX 09/04
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 07/05
1425 SPIDERLILY VW, CEDAR PARK, TX 78613 07/05 -
04/19
917 CHALLENGER ST, LAKEWAY, TX 78734 07/05 - 09/09
914 W WASCHER DR #2, URBANA, IL 61801-1535 03/06
1425 SPIDERVIEW, CEDAR PARK, TX 78613 05/07
903 US HIGHWAY 80 E APT 1201, MESQUITE, TX 75150-5743
02/15
1515 N TOWN EAST B STE 138-292, MESQUITE, TX 75150-4142
01/16 - 03/16
1515 N TOWN EAST BLVD STE 138-292, MESQUITE, TX 75150
01/16 - 07/16
345 BARNES BRIDGE RD, SUNNYVALE, TX 75182-9107 08/18
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E M P L O Y M E N T V A R I A T I O N S
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CITY OF IRVING LIBRARY// 12/95
CITY OF AUSTIN// 12/06
AMERICAN RENTAL ASSOCIATE/REGIONAL TECH MNGR/ 07/14
AMERICAN RENAL// 01/15
AMERICAN RENTAL ASSOCIATE// 07/16
AMERICAN RENTAL/REGIONAL TECH MNGR/
AMERICAN/REGIONAL TECHNICAL MANAGER/
FRESENIUS MEDICAL C/TECH SUPERVISOR/
CITY OF AUSTIN/LIBRARIAN/
CITY OF IRVING//
RENAL CARE GROUP/AREA TECHNICAL MANAG/
CITY OF AUSTIN//
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R E M A R K S
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CONSUMER STATEMENT: DO NOT CONFUSE WITH CONSUMERS OF SIMILAR
IDENTIFICATION. VERIFY ALL IDENTIFYING INFORMATION.
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A L E R T
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STEPHEN G TAYS YOB: 1954
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED
NANCY J TAYS YOB: 1952
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED
Page: 8/14
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APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
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T U I D V I S I O N A L E R T
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TAYS, STEPHEN GARY 585-60-3849
REMARK: AVAILABLE AND CLEAR
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C R E D I T O R S
-------------------------------------------------------------------
- 5TH 3RD BK [TU] 800-972-3030
38 FOUNTAIN SQ PL,CINCINNATI, OH 45202
- ally fin [MANUAL] 800-200-4622
,
- ally financial [XP] 800-200-4622
,
- ALLY FINANCIAL [XP] 800-200-4622
200 RENAISSANCE CTR,DETROIT, MI 48243
- ALLY FINCL [TU] 800-925-2559
P.O. BOX 380901,BLOOMINGTON, MN 55438
- AMSOUTH BANK NA [XP/EF] 205-750-2652
P O BOX 11007,BIRMINGHAM AL 35288
- AMSOUTH BK [TU] 800-896-6513
720 NORTH 39TH STR,BIRMINGHAM AL 35222
- bank of america [XP] 800-759-6262
,
- BANK OF AMERICA [XP/EF] 800-215-6195
9000 SOUTHSIDE BLVD BLDG,JACKSONVILLE, FL 32256
- BANK OF THE WEST [XP/TU/EF] 800-843-2327
1450 TREAT BLVD,WALNUT CREEK CA 94597
- BANKAMERICA [TU] 800-215-6195
P.O. BOX 2240,BREA, CA 92822
- CB/SPMNSGV [TU]
PO BOX 182789,COLUMBUS, OH 43218
- CBNA/SEARS [XP] 800-669-8488
13200 SMITH RD,CLEVELAND, OH 44130
- CBUSASEARS [EF] 800-669-8488
13200 SMITH ROAD,CLEVELAND, OH 44130
- CHASE [XP/TU/EF] 800-336-6675
950 CORBINDALE,HOUSTON, TX 77252
- CHASE AUTO [TU] 800-336-6675
P.O. BOX 901003 CREDIT BUREAU DISPUTE PROCESSG,FORT WORTH, TX
- CITI CARDS CBSDNA [TU] 800-843-0777
POB 6241,SIOUX FALLS, SD 57117
- CITI-SHELL [TU] 800-331-3703
P O BOX 15687,WILMINGTON DE 19850
- CONNS [TU/EF] 409-832-1696
BOX 2356,BEAUMONT TX 77704
- CONNS CREDIT CORP [XP] 800-511-5750
PO BOX 2358,BEAUMONT TX 77704
Page: 9/14
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APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
- Credit Plus [TU/EF] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- EXXMBLCITI [MANUAL] 800-344-4355
,
- FIFTH THIRD BANK [XP/EF] 800-972-3030
FIFTH THIRD CENTER,CINCINNATI OH 45263
- FIRST ELECTRONIC BANK [XP] 801-572-4004
2150 S 1300 E STE 400,SALT LAKE CITY, UT 84106
- FRSTBANK [EF] 801-572-4004
11781 S. LONE PEAK PKWY #135,DRAPER, UT 84020
- GE MONEY BANK/CHEVRON [XP] 800-243-8766
,
- GECRB/LOWBRC [MANUAL] 800-444-1408
,
- GECRB/STEIN MART DC [XP/EF] 866-864-2149
PO BOX 981416,EL PASO, TX 79998
- GECRB/WALMART [XP/TU] 877-294-7880
PO BOX 965024,ORLANDO, FL 32896
- GEMB/CHEVRON PLCC [EF] 800-243-8766
,
- GEMB/HAVERTYS [EF] 866-396-8254
,
- GEMB/JC PENNEYS [EF] 800-542-0800
,
- GEMB/LOWES [XP/EF] 800-444-1408
PO BOX 103065,ROSWELL GA 30076
- GEMB/WALMART [EF] 800-957-0832
,
- HSBC/BSTBY [EF] 800-365-0292
1405 FOULK ROAD,WILMINGTON, DE 19808
- KOHLS/CAP1 [EF] 800-564-5740
,
- kohls/capone [XP] 800-564-5740
,
- MBGA/JC PENNEY [XP] 800-542-0800
PO BOX 981131,EL PASO TX 79998
- MBNA AMERICA [TU] 800-421-2110
PO BOX 17054,WILMINGTON DE 19884
- PNC BANK [XP] BYMAILONLY
2730 LIBERTY AVE,PITTSBURGH, PA 15222
- SEARS/CBNA [TU] 800-669-8488
PO BOX 6282,SIOUX FALLS, SD 57117
- SHELL/CITI [EF] 800-331-3703
PO BOX 15687,WILMINGTON DE 19850
- SYNCB/CHEVRO [TU] 800-243-8766
P.O BOX 965015,ORLANDO, FL 32896
- SYNCB/HAVERT [TU] 866-396-8254
C/O PO BOX 965036,ORLANDO, FL 32896
- SYNCB/JCP [TU] 866-227-5213
PO BOX 965007,ORLANDO, FL 32896
- SYNCB/STMRTD [TU] 866-864-2149
PO BOX 965005,ORLANDO, FL 32896
- UNITED HER [EF] 512-435-4545
2315 WEST BEN WHITE,AUSTIN TX 78704
Page: 10/14
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APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
- WELLS FARGO [TU] 888-667-6059
P O BOX 10438,DES MOINES, IA 50306
- WELLS FARGO BANK NV NA [XP] 888-667-6059
,
- WELLS FARGO HM MORTGAG [XP] 800-262-5294
7495 NEW HORIZON WAY,FREDERICK, MD 21703
- WELLS FARGO HOME MOR [EF] p#800-262-52
4680 HALLMARK PARKWAY X0701-01K,SAN BERNARDINO, CA 92407
- WELLSFARGO [EF] 800-262-5294
3476 STATEVIEW BLVD,FORT MILL SC 29715
- WELSHMQTY [EF] 888-667-6059
4455 ARROWSWEST DRIVE,COLORADO SPRINGS, CO 80907
- WFB-NE [TU/EF] 800-850-8402
4800 NW 1ST STREET SUITE 300,LINCOLN, NE 68521
- WFHM [MANUAL] 800-262-5294
,
- WFNNB/SPRTSMNGUIDEVISA [XP] 888-252-5557
134 CAPITOL DRIVE,WEST SPRINGFIELD MA 01089
- WORLDS FOREMOST BANK N [XP] 800-850-8402
4800 NW 1ST ST STE 300,LINCOLN, NE 68521
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T R A D E S U M M A R Y
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# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 3 93990 102600 1703 0
AUTO 6 87054 93738 664 0
EDUCATION 0 0 0 0 0
OTHER INSTALLM 4 0 0 0 0
OPEN 0 0 0 0 0
REVOLVING 21 18371 138851 430 0
OTHER 0 0 0 0 0
TOTAL 34 199415 335189 2797 0
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D E R O G A T O R Y S U M M A R Y
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CHARGE OFFS 0 30 DAYS 1 INQUIRIES 5
COLLECTIONS 0 60 DAYS 0 DISPUTES 0
BANKRUPTCY 0 90 DAYS 0
PUBLIC RECORDS 0 OTHER 0
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S O U R C E O F I N F O R M A T I O N
-------------------------------------------------------------------
1 - EXPERIAN
STEPHEN G TAYS 585603849 DOB: 08/26/54
STEVE TAYS 585603849 DOB: N/A
585-60-3849
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 03/98 -
08/18
Page: 11/14
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APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
1515 N TOWN EAST B STE 138-292, MESQUITE, TX 75150-4142
01/16 - 03/16
903 US HIGHWAY 80 E APT 1201, MESQUITE, TX 75150-5743
02/15
AMERICAN RENTAL ASSOCIATE// 07/16
AMERICAN RENAL// 01/15
2 - EXPERIAN
NANCY J TAYS 527704918 DOB: 05/19/52
TAYS NANCY JEAN 527704918 DOB: N/A
NANCY JEAN FOSTER 527704918 DOB: N/A
527-70-4918
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 03/98 -
08/18
5306 VIRBURNUM CT, ARLINGTON, TX 76018-1653 04/95 -
09/97
2670 CLAREMONT DR, GRAND PRAIRIE, TX 75052-3805 01/97
CITY OF AUSTIN// 12/06
CITY OF IRVING LIBRARY// 12/95
3 - TRANSUNION
STEPHEN G TAYS
TAYES,STEPHEN,GARY
DOB: 08/26/54
585-60-3849
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 01/04
914 W WASCHER DR #2, URBANA, IL 61801-1535 03/06
345 BARNES BRIDGE RD, SUNNYVALE, TX 75182-9107 08/18
AUSTIN, TX 09/04
AMERICAN RENTAL ASSOCIATE/REGIONAL TECH MNGR/ 07/14
RENAL CARE GROUP/AREA TECHNICAL MANAG/
4 - TRANSUNION
NANCY JEAN TAYS
FOSTER,NANCY
DOB: 05/19/52
527-70-4918
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 07/05
1425 SPIDERVIEW, CEDAR PARK, TX 78613 05/07
11066 PECAN PARK BV #D407, CEDAR PARK, TX 78613-1515
02/04
CITY OF AUSTIN//
5 - EQUIFAX
STEPHEN G TAYS DOB: 08/26/54
STEPHEN G TAYS
585-60-3849
1425 SPIDERLILY VW, CEDAR PARK, TX 78613 03/04 -
04/19
1515 N TOWN EAST BLVD STE 138-292, MESQUITE, TX 75150
01/16 - 07/16
11066 PECAN PARK BLVD STE 113, CEDAR PARK, TX 78613
02/04 - 03/11
AMERICAN RENTAL/REGIONAL TECH MNGR/
AMERICAN/REGIONAL TECHNICAL MANAGER/
Page: 12/14
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APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
FRESENIUS MEDICAL C/TECH SUPERVISOR/
6 - EQUIFAX
NANCY JEAN TAYS DOB: 05/19/52
NANCY J TAYS
NANCY JEAN FOSTER
527-70-4918
1425 SPIDERLILY VW, CEDAR PARK, TX 78613 07/05 -
04/19
11066 PECAN PARK BLVD STE 113, CEDAR PARK, TX 78613
02/04 - 09/09
917 CHALLENGER ST, LAKEWAY, TX 78734 07/05 - 09/09
CITY OF AUSTIN/LIBRARIAN/
CITY OF IRVING//
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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-418B86
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 48071112 and password AV-418B86 to view the
report. For any inquiries regarding this report or services
provided by CREDIT PLUS 2 please contact us at (800) 258-3488.
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D I S C L A I M E R
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T R E N D S U M M A R Y
-------------------------------------------------------------------
Page: 13/14
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APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
=================================================================
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.
-----------------------------------------------------------------
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:
-----------------------------------------------------------------
* TOO MANY INQUIRIES LAST 12 MONTHS
* NUMBER OF ACCOUNTS WITH DELINQUENCY
* PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL
REVOLVING ACCOUNTS
* TOO MANY ACCOUNTS RECENTLY OPENED
Page: 1/18
=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
What if there are mistakes in your credit report?
-----------------------------------------------------------------
You have a right to dispute any inaccurate information in your
credit report. If you find mistakes on your credit report,
contact the consumer reporting agency.
-----------------------------------------------------------------
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.
-----------------------------------------------------------------
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
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-----------------
Signature
Date
Page: 3/18
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
NANCY J TAYS
1425 SPIDERLILY VIEW
CEDAR PARK, TX 78613
=================================================================
YOUR CREDIT SCORE - 818
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.
-----------------------------------------------------------------
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 90 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 ACCOUNTS WITH BALANCES
* TOO MANY ACCOUNTS RECENTLY OPENED
Page: 4/18
=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
What if there are mistakes in your credit report?
-----------------------------------------------------------------
You have a right to dispute any inaccurate information in your
credit report. If you find mistakes on your credit report,
contact the consumer reporting agency.
-----------------------------------------------------------------
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.
-----------------------------------------------------------------
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: 5/18
NOTICE TO THE HOME LOAN APPLICANT
------------------------------------------------------------------
-----------------
Signature
Date
Page: 6/18
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
=================================================================
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.
-----------------------------------------------------------------
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 64 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
* PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
* INQUIRIES IMPACTED THE CREDIT SCORE
Page: 7/18
=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
What if there are mistakes in your credit report?
-----------------------------------------------------------------
You have a right to dispute any inaccurate information in your
credit report. If you find mistakes on your credit report,
contact the consumer reporting agency.
-----------------------------------------------------------------
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.
-----------------------------------------------------------------
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: 8/18
NOTICE TO THE HOME LOAN APPLICANT
------------------------------------------------------------------
-----------------
Signature
Date
Page: 9/18
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
NANCY J TAYS
1425 SPIDERLILY VIEW
CEDAR PARK, TX 78613
=================================================================
YOUR CREDIT SCORE - 791
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.
-----------------------------------------------------------------
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 78 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
* TOO MANY ACCOUNTS WITH BALANCES
Page: 10/18
=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
What if there are mistakes in your credit report?
-----------------------------------------------------------------
You have a right to dispute any inaccurate information in your
credit report. If you find mistakes on your credit report,
contact the consumer reporting agency.
-----------------------------------------------------------------
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.
-----------------------------------------------------------------
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: 11/18
NOTICE TO THE HOME LOAN APPLICANT
------------------------------------------------------------------
-----------------
Signature
Date
Page: 12/18
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
=================================================================
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.
-----------------------------------------------------------------
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 66 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* LEVEL OF DELINQUENCY ON ACCOUNTS
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
Page: 13/18
* NUMBER OF INQUIRIES ADVERSELY AFFECTED THE SCORE, BUT NOT
SIGNIFICANTLY
=================================================================
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.
-----------------------------------------------------------------
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.
-----------------------------------------------------------------
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: 14/18
NOTICE TO THE HOME LOAN APPLICANT
------------------------------------------------------------------
-----------------
Signature
Date
Page: 15/18
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
NANCY J TAYS
1425 SPIDERLILY VIEW
CEDAR PARK, TX 78613
=================================================================
YOUR CREDIT SCORE - 787
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.
-----------------------------------------------------------------
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 75 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* TOO MANY ACCOUNTS WITH BALANCES
Page: 16/18
=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
What if there are mistakes in your credit report?
-----------------------------------------------------------------
You have a right to dispute any inaccurate information in your
credit report. If you find mistakes on your credit report,
contact the consumer reporting agency.
-----------------------------------------------------------------
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.
-----------------------------------------------------------------
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: 17/18
NOTICE TO THE HOME LOAN APPLICANT
------------------------------------------------------------------
-----------------
Signature
Date
Page: 18/18
CORNERSTONE HOME LENDING INC - 141
6203 COLLEYVILLE BLVD STE 200
COLLEYVILLE, TX 76034
8173100823
If you have questions regarding the terms of the loan, contact the
lender.
TAYS, NANCY J
1425 SPIDERLILY VIEW
CEDAR PARK, TX 78613
If you have questions regarding the terms of the loan, contact the
lender.
-------------------------------------------------------------------
P U B L I C R E C O R D S
-------------------------------------------------------------------
*** NO RECORD FOUND ***
-------------------------------------------------------------------
D E R O G A T O R Y A C C O U N T S
-------------------------------------------------------------------
E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
-------------------------------------------------------------------
B B COMENITYBK/SGUIDEVS 02/18 $1500 PD WAS 30
416621****** REV 11/09 $0 99 1 0 0
07/14 $0 XP/TU/EF
02/18:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCC-------------CCCCCCCCCCCCCCCCCCC1CC
Late Dates: 1/13-30
REMARK: ACCOUNT CLOSED AT CREDIT GRANTOR'S REQUEST;
-------------------------------------------------------------------
O P E N A C C O U N T S
-------------------------------------------------------------------
E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
-------------------------------------------------------------------
J J WELLS FARGO HM MORTGAG120 04/19 $102600 AS AGREED
9360516092798 MTG 04/18 $93990 9 0 0 0
04/19 $1703 XP/TU/EF
04/19: CCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST; FREDDIE MAC ACCOUNT;
-------------------------------------------------------------------
C L O S E D A C C O U N T S
-------------------------------------------------------------------
E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
-------------------------------------------------------------------
J J ALLY 63 08/16 $32540 PAID
611918341042 AUTO 04/12 $0 52 0 0 0
07/16 $0 XP/TU/EF
08/16: -CCCCCCCCCCCCCCCC--------CCCCCCCCCCCCCCCCCCCCCCCCCCCCC
-------------------------------------------------------------------
O T H E R C R E D I T H I S T O R Y
-------------------------------------------------------------------
*** NO RECORD FOUND ***
-------------------------------------------------------------------
A L I A S V A R I A T I O N S
-------------------------------------------------------------------
STEPHEN G TAYS 585603849 DOB: 08/26/54
STEVE TAYS 585603849 DOB: N/A
NANCY J TAYS 527704918 DOB: 05/19/52
TAYS NANCY JEAN 527704918 DOB: N/A
NANCY JEAN FOSTER 527704918 DOB: N/A
STEPHEN G TAYS
TAYES,STEPHEN,GARY
DOB: 08/26/54
NANCY JEAN TAYS
FOSTER,NANCY
DOB: 05/19/52
STEPHEN G TAYS DOB: 08/26/54
STEPHEN G TAYS
NANCY JEAN TAYS DOB: 05/19/52
NANCY J TAYS
NANCY JEAN FOSTER
-------------------------------------------------------------------
I N Q U I R I E S ( L A S T 1 2 0 D A Y S )
-------------------------------------------------------------------
XP/TU 03/19/19 CDK/TOWN EAST FORD SAL AUTOMOTIVE
XP 03/19/19 PNC BANK BANKING
TU 03/19/19 SUNTRUST ATL BANKING
EF 03/19/19 TWNEASFORD AUTOMOTIVE
EF 03/19/19 CHASE AUTO BANKING
-------------------------------------------------------------------
A D D R E S S V A R I A T I O N S
-------------------------------------------------------------------
5306 VIRBURNUM CT, ARLINGTON, TX 76018-1653 04/95 -
09/97
2670 CLAREMONT DR, GRAND PRAIRIE, TX 75052-3805 01/97
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 03/98 -
08/18
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 03/98 -
08/18
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 01/04
11066 PECAN PARK BV #D407, CEDAR PARK, TX 78613-1515
Page: 7/14
-------------------------------------------------------------------
APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
02/04
11066 PECAN PARK BLVD STE 113, CEDAR PARK, TX 78613
02/04 - 03/11
11066 PECAN PARK BLVD STE 113, CEDAR PARK, TX 78613
02/04 - 09/09
1425 SPIDERLILY VW, CEDAR PARK, TX 78613 03/04 -
04/19
AUSTIN, TX 09/04
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 07/05
1425 SPIDERLILY VW, CEDAR PARK, TX 78613 07/05 -
04/19
917 CHALLENGER ST, LAKEWAY, TX 78734 07/05 - 09/09
914 W WASCHER DR #2, URBANA, IL 61801-1535 03/06
1425 SPIDERVIEW, CEDAR PARK, TX 78613 05/07
903 US HIGHWAY 80 E APT 1201, MESQUITE, TX 75150-5743
02/15
1515 N TOWN EAST B STE 138-292, MESQUITE, TX 75150-4142
01/16 - 03/16
1515 N TOWN EAST BLVD STE 138-292, MESQUITE, TX 75150
01/16 - 07/16
345 BARNES BRIDGE RD, SUNNYVALE, TX 75182-9107 08/18
-------------------------------------------------------------------
E M P L O Y M E N T V A R I A T I O N S
-------------------------------------------------------------------
CITY OF IRVING LIBRARY// 12/95
CITY OF AUSTIN// 12/06
AMERICAN RENTAL ASSOCIATE/REGIONAL TECH MNGR/ 07/14
AMERICAN RENAL// 01/15
AMERICAN RENTAL ASSOCIATE// 07/16
AMERICAN RENTAL/REGIONAL TECH MNGR/
AMERICAN/REGIONAL TECHNICAL MANAGER/
FRESENIUS MEDICAL C/TECH SUPERVISOR/
CITY OF AUSTIN/LIBRARIAN/
CITY OF IRVING//
RENAL CARE GROUP/AREA TECHNICAL MANAG/
CITY OF AUSTIN//
-------------------------------------------------------------------
R E M A R K S
-------------------------------------------------------------------
CONSUMER STATEMENT: DO NOT CONFUSE WITH CONSUMERS OF SIMILAR
IDENTIFICATION. VERIFY ALL IDENTIFYING INFORMATION.
-------------------------------------------------------------------
A L E R T
-------------------------------------------------------------------
STEPHEN G TAYS YOB: 1954
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED
NANCY J TAYS YOB: 1952
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED
Page: 8/14
-------------------------------------------------------------------
APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
-------------------------------------------------------------------
T U I D V I S I O N A L E R T
-------------------------------------------------------------------
TAYS, STEPHEN GARY 585-60-3849
REMARK: AVAILABLE AND CLEAR
-------------------------------------------------------------------
C R E D I T O R S
-------------------------------------------------------------------
- 5TH 3RD BK [TU] 800-972-3030
38 FOUNTAIN SQ PL,CINCINNATI, OH 45202
- ally fin [MANUAL] 800-200-4622
,
- ally financial [XP] 800-200-4622
,
- ALLY FINANCIAL [XP] 800-200-4622
200 RENAISSANCE CTR,DETROIT, MI 48243
- ALLY FINCL [TU] 800-925-2559
P.O. BOX 380901,BLOOMINGTON, MN 55438
- AMSOUTH BANK NA [XP/EF] 205-750-2652
P O BOX 11007,BIRMINGHAM AL 35288
- AMSOUTH BK [TU] 800-896-6513
720 NORTH 39TH STR,BIRMINGHAM AL 35222
- bank of america [XP] 800-759-6262
,
- BANK OF AMERICA [XP/EF] 800-215-6195
9000 SOUTHSIDE BLVD BLDG,JACKSONVILLE, FL 32256
- BANK OF THE WEST [XP/TU/EF] 800-843-2327
1450 TREAT BLVD,WALNUT CREEK CA 94597
- BANKAMERICA [TU] 800-215-6195
P.O. BOX 2240,BREA, CA 92822
- CB/SPMNSGV [TU]
PO BOX 182789,COLUMBUS, OH 43218
- CBNA/SEARS [XP] 800-669-8488
13200 SMITH RD,CLEVELAND, OH 44130
- CBUSASEARS [EF] 800-669-8488
13200 SMITH ROAD,CLEVELAND, OH 44130
- CHASE [XP/TU/EF] 800-336-6675
950 CORBINDALE,HOUSTON, TX 77252
- CHASE AUTO [TU] 800-336-6675
P.O. BOX 901003 CREDIT BUREAU DISPUTE PROCESSG,FORT WORTH, TX
- CITI CARDS CBSDNA [TU] 800-843-0777
POB 6241,SIOUX FALLS, SD 57117
- CITI-SHELL [TU] 800-331-3703
P O BOX 15687,WILMINGTON DE 19850
- CONNS [TU/EF] 409-832-1696
BOX 2356,BEAUMONT TX 77704
- CONNS CREDIT CORP [XP] 800-511-5750
PO BOX 2358,BEAUMONT TX 77704
Page: 9/14
-------------------------------------------------------------------
APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
- Credit Plus [TU/EF] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- EXXMBLCITI [MANUAL] 800-344-4355
,
- FIFTH THIRD BANK [XP/EF] 800-972-3030
FIFTH THIRD CENTER,CINCINNATI OH 45263
- FIRST ELECTRONIC BANK [XP] 801-572-4004
2150 S 1300 E STE 400,SALT LAKE CITY, UT 84106
- FRSTBANK [EF] 801-572-4004
11781 S. LONE PEAK PKWY #135,DRAPER, UT 84020
- GE MONEY BANK/CHEVRON [XP] 800-243-8766
,
- GECRB/LOWBRC [MANUAL] 800-444-1408
,
- GECRB/STEIN MART DC [XP/EF] 866-864-2149
PO BOX 981416,EL PASO, TX 79998
- GECRB/WALMART [XP/TU] 877-294-7880
PO BOX 965024,ORLANDO, FL 32896
- GEMB/CHEVRON PLCC [EF] 800-243-8766
,
- GEMB/HAVERTYS [EF] 866-396-8254
,
- GEMB/JC PENNEYS [EF] 800-542-0800
,
- GEMB/LOWES [XP/EF] 800-444-1408
PO BOX 103065,ROSWELL GA 30076
- GEMB/WALMART [EF] 800-957-0832
,
- HSBC/BSTBY [EF] 800-365-0292
1405 FOULK ROAD,WILMINGTON, DE 19808
- KOHLS/CAP1 [EF] 800-564-5740
,
- kohls/capone [XP] 800-564-5740
,
- MBGA/JC PENNEY [XP] 800-542-0800
PO BOX 981131,EL PASO TX 79998
- MBNA AMERICA [TU] 800-421-2110
PO BOX 17054,WILMINGTON DE 19884
- PNC BANK [XP] BYMAILONLY
2730 LIBERTY AVE,PITTSBURGH, PA 15222
- SEARS/CBNA [TU] 800-669-8488
PO BOX 6282,SIOUX FALLS, SD 57117
- SHELL/CITI [EF] 800-331-3703
PO BOX 15687,WILMINGTON DE 19850
- SYNCB/CHEVRO [TU] 800-243-8766
P.O BOX 965015,ORLANDO, FL 32896
- SYNCB/HAVERT [TU] 866-396-8254
C/O PO BOX 965036,ORLANDO, FL 32896
- SYNCB/JCP [TU] 866-227-5213
PO BOX 965007,ORLANDO, FL 32896
- SYNCB/STMRTD [TU] 866-864-2149
PO BOX 965005,ORLANDO, FL 32896
- UNITED HER [EF] 512-435-4545
2315 WEST BEN WHITE,AUSTIN TX 78704
Page: 10/14
-------------------------------------------------------------------
APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
- WELLS FARGO [TU] 888-667-6059
P O BOX 10438,DES MOINES, IA 50306
- WELLS FARGO BANK NV NA [XP] 888-667-6059
,
- WELLS FARGO HM MORTGAG [XP] 800-262-5294
7495 NEW HORIZON WAY,FREDERICK, MD 21703
- WELLS FARGO HOME MOR [EF] p#800-262-52
4680 HALLMARK PARKWAY X0701-01K,SAN BERNARDINO, CA 92407
- WELLSFARGO [EF] 800-262-5294
3476 STATEVIEW BLVD,FORT MILL SC 29715
- WELSHMQTY [EF] 888-667-6059
4455 ARROWSWEST DRIVE,COLORADO SPRINGS, CO 80907
- WFB-NE [TU/EF] 800-850-8402
4800 NW 1ST STREET SUITE 300,LINCOLN, NE 68521
- WFHM [MANUAL] 800-262-5294
,
- WFNNB/SPRTSMNGUIDEVISA [XP] 888-252-5557
134 CAPITOL DRIVE,WEST SPRINGFIELD MA 01089
- WORLDS FOREMOST BANK N [XP] 800-850-8402
4800 NW 1ST ST STE 300,LINCOLN, NE 68521
-------------------------------------------------------------------
T R A D E S U M M A R Y
-------------------------------------------------------------------
# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 3 93990 102600 1703 0
AUTO 6 87054 93738 664 0
EDUCATION 0 0 0 0 0
OTHER INSTALLM 4 0 0 0 0
OPEN 0 0 0 0 0
REVOLVING 21 18371 138851 430 0
OTHER 0 0 0 0 0
TOTAL 34 199415 335189 2797 0
-------------------------------------------------------------------
D E R O G A T O R Y S U M M A R Y
-------------------------------------------------------------------
CHARGE OFFS 0 30 DAYS 1 INQUIRIES 5
COLLECTIONS 0 60 DAYS 0 DISPUTES 0
BANKRUPTCY 0 90 DAYS 0
PUBLIC RECORDS 0 OTHER 0
-------------------------------------------------------------------
S O U R C E O F I N F O R M A T I O N
-------------------------------------------------------------------
1 - EXPERIAN
STEPHEN G TAYS 585603849 DOB: 08/26/54
STEVE TAYS 585603849 DOB: N/A
585-60-3849
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 03/98 -
08/18
Page: 11/14
-------------------------------------------------------------------
APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
1515 N TOWN EAST B STE 138-292, MESQUITE, TX 75150-4142
01/16 - 03/16
903 US HIGHWAY 80 E APT 1201, MESQUITE, TX 75150-5743
02/15
AMERICAN RENTAL ASSOCIATE// 07/16
AMERICAN RENAL// 01/15
2 - EXPERIAN
NANCY J TAYS 527704918 DOB: 05/19/52
TAYS NANCY JEAN 527704918 DOB: N/A
NANCY JEAN FOSTER 527704918 DOB: N/A
527-70-4918
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 03/98 -
08/18
5306 VIRBURNUM CT, ARLINGTON, TX 76018-1653 04/95 -
09/97
2670 CLAREMONT DR, GRAND PRAIRIE, TX 75052-3805 01/97
CITY OF AUSTIN// 12/06
CITY OF IRVING LIBRARY// 12/95
3 - TRANSUNION
STEPHEN G TAYS
TAYES,STEPHEN,GARY
DOB: 08/26/54
585-60-3849
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 01/04
914 W WASCHER DR #2, URBANA, IL 61801-1535 03/06
345 BARNES BRIDGE RD, SUNNYVALE, TX 75182-9107 08/18
AUSTIN, TX 09/04
AMERICAN RENTAL ASSOCIATE/REGIONAL TECH MNGR/ 07/14
RENAL CARE GROUP/AREA TECHNICAL MANAG/
4 - TRANSUNION
NANCY JEAN TAYS
FOSTER,NANCY
DOB: 05/19/52
527-70-4918
1425 SPIDERLILY VW, CEDAR PARK, TX 78613-5136 07/05
1425 SPIDERVIEW, CEDAR PARK, TX 78613 05/07
11066 PECAN PARK BV #D407, CEDAR PARK, TX 78613-1515
02/04
CITY OF AUSTIN//
5 - EQUIFAX
STEPHEN G TAYS DOB: 08/26/54
STEPHEN G TAYS
585-60-3849
1425 SPIDERLILY VW, CEDAR PARK, TX 78613 03/04 -
04/19
1515 N TOWN EAST BLVD STE 138-292, MESQUITE, TX 75150
01/16 - 07/16
11066 PECAN PARK BLVD STE 113, CEDAR PARK, TX 78613
02/04 - 03/11
AMERICAN RENTAL/REGIONAL TECH MNGR/
AMERICAN/REGIONAL TECHNICAL MANAGER/
Page: 12/14
-------------------------------------------------------------------
APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
FRESENIUS MEDICAL C/TECH SUPERVISOR/
6 - EQUIFAX
NANCY JEAN TAYS DOB: 05/19/52
NANCY J TAYS
NANCY JEAN FOSTER
527-70-4918
1425 SPIDERLILY VW, CEDAR PARK, TX 78613 07/05 -
04/19
11066 PECAN PARK BLVD STE 113, CEDAR PARK, TX 78613
02/04 - 09/09
917 CHALLENGER ST, LAKEWAY, TX 78734 07/05 - 09/09
CITY OF AUSTIN/LIBRARIAN/
CITY OF IRVING//
-------------------------------------------------------------------
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-418B86
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 48071112 and password AV-418B86 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
-------------------------------------------------------------------
-------------------------------------------------------------------
T R E N D S U M M A R Y
-------------------------------------------------------------------
Page: 13/14
-------------------------------------------------------------------
APPLICANT:TAYS, STEPHEN GARY
SSN :585-60-3849
ADDRESS :1425 SPIDERLILY VIEW, CEDAR PARK, TX 78613
-------------------------------------------------------------------
=================================================================
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.
-----------------------------------------------------------------
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:
-----------------------------------------------------------------
* TOO MANY INQUIRIES LAST 12 MONTHS
* NUMBER OF ACCOUNTS WITH DELINQUENCY
* PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL
REVOLVING ACCOUNTS
* TOO MANY ACCOUNTS RECENTLY OPENED
Page: 1/18
=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
What if there are mistakes in your credit report?
-----------------------------------------------------------------
You have a right to dispute any inaccurate information in your
credit report. If you find mistakes on your credit report,
contact the consumer reporting agency.
-----------------------------------------------------------------
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.
-----------------------------------------------------------------
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
------------------------------------------------------------------
-----------------
Signature
Date
Page: 3/18
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
NANCY J TAYS
1425 SPIDERLILY VIEW
CEDAR PARK, TX 78613
=================================================================
YOUR CREDIT SCORE - 818
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.
-----------------------------------------------------------------
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 90 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 ACCOUNTS WITH BALANCES
* TOO MANY ACCOUNTS RECENTLY OPENED
Page: 4/18
=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
What if there are mistakes in your credit report?
-----------------------------------------------------------------
You have a right to dispute any inaccurate information in your
credit report. If you find mistakes on your credit report,
contact the consumer reporting agency.
-----------------------------------------------------------------
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.
-----------------------------------------------------------------
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: 5/18
NOTICE TO THE HOME LOAN APPLICANT
------------------------------------------------------------------
-----------------
Signature
Date
Page: 6/18
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
=================================================================
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.
-----------------------------------------------------------------
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 64 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
* PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
* INQUIRIES IMPACTED THE CREDIT SCORE
Page: 7/18
=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
What if there are mistakes in your credit report?
-----------------------------------------------------------------
You have a right to dispute any inaccurate information in your
credit report. If you find mistakes on your credit report,
contact the consumer reporting agency.
-----------------------------------------------------------------
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.
-----------------------------------------------------------------
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: 8/18
NOTICE TO THE HOME LOAN APPLICANT
------------------------------------------------------------------
-----------------
Signature
Date
Page: 9/18
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
NANCY J TAYS
1425 SPIDERLILY VIEW
CEDAR PARK, TX 78613
=================================================================
YOUR CREDIT SCORE - 791
Source: TRANS UNION Date: 04/29/19
Model: TRANSUNION/FICO CLASSIC (04)
=================================================================
UNDERSTANDING YOUR CREDIT SCORE
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What you should know about credit scores:
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Your credit score is a number that reflects the information in
your credit report.
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How we use your credit score:
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Your credit score can affect whether you can get a loan and how
much you will have to pay for that loan.
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The range of scores:
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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.
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How your score compares to the scores of other consumers:
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Your credit score ranks higher than 78 percent of U.S. consumers.
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Key factors that adversely affected your credit score:
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* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
* TOO MANY ACCOUNTS WITH BALANCES
Page: 10/18
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CHECKING YOUR CREDIT REPORT
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What if there are mistakes in your credit report?
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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.
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How can you obtain a copy of your credit report?
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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.
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How can you get more information?
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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: 11/18
NOTICE TO THE HOME LOAN APPLICANT
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Signature
Date
Page: 12/18
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
=================================================================
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.
-----------------------------------------------------------------
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:
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Your credit score ranks higher than 66 percent of U.S. consumers.
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Key factors that adversely affected your credit score:
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* LEVEL OF DELINQUENCY ON ACCOUNTS
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
Page: 13/18
* NUMBER OF INQUIRIES ADVERSELY AFFECTED THE SCORE, BUT NOT
SIGNIFICANTLY
=================================================================
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.
-----------------------------------------------------------------
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.
-----------------------------------------------------------------
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: 14/18
NOTICE TO THE HOME LOAN APPLICANT
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-----------------
Signature
Date
Page: 15/18
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
NANCY J TAYS
1425 SPIDERLILY VIEW
CEDAR PARK, TX 78613
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YOUR CREDIT SCORE - 787
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.
-----------------------------------------------------------------
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 75 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACCOUNTS
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* TOO MANY ACCOUNTS WITH BALANCES
Page: 16/18
=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
What if there are mistakes in your credit report?
-----------------------------------------------------------------
You have a right to dispute any inaccurate information in your
credit report. If you find mistakes on your credit report,
contact the consumer reporting agency.
-----------------------------------------------------------------
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.
-----------------------------------------------------------------
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: 17/18
NOTICE TO THE HOME LOAN APPLICANT
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-----------------
Signature
Date
Page: 18/18
CORNERSTONE HOME LENDING INC - 141
6203 COLLEYVILLE BLVD STE 200
COLLEYVILLE, TX 76034
8173100823
If you have questions regarding the terms of the loan, contact the
lender.
TAYS, NANCY J
1425 SPIDERLILY VIEW
CEDAR PARK, TX 78613
If you have questions regarding the terms of the loan, contact the
lender.