PERSON NAME: PETRO, DANNY

PERSON SSN : 764-02-3769

FIRST NAME : PETRO
LAST NAME : DANNY
PERSON DOB : 01/08/1952

PREFERRED CUSTOMER A 12/12 17000 IND $0 PAST DUE

8970 05/13 07/11 17000 0 R1 21 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

CONVENTIONAL MORTGAGE; CREDIT LINE CLOSED - CONSUMER'S REQUEST

- REPORTED BY SUBSCRIBER; ACCOUNT CLOSED BY CONSUMER; FREDDIE
MAC ACCOUNT; ACCOUNT CLOSED AT CONSUMER'S REQUEST
PROVIDENT FUNDING AS 08/12 --- IND $ PAST DUE
1618120266 09/12 01/09 309600 0 M1 45 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

CHARGE ACCOUNT; ACCOUNT CLOSED AT CONSUMER'S REQUEST; CLOSED

OR PAID ACCOUNT/ZERO BALANCE
SYNCB/BANANA REPUBLI 09/07 800 IND $ PAST DUE
5511 01/16 07/03 181 0 R1 99 0 0 0 CLOSED
QC11
_____________________________________________________________________

CHARGE ACCOUNT; ACCOUNT CLOSED AT CONSUMER'S REQUEST; CLOSED

OR PAID ACCOUNT/ZERO BALANCE
SYNCB/LOWES 08/04 0 IND $ PAST DUE
4073 06/14 04/04 403 0 R1 99 0 0 0 CLOSED
QC11
_____________________________________________________________________

CHARGE ACCOUNT; CLOSED OR PAID ACCOUNT/ZERO BALANCE; AMOUNT IN

H/C COLUMN IS CREDIT LIMIT
SYNCB/OLD NAVY 09/04 300 IND $ PAST DUE
2329 07/14 08/03 95 0 R1 99 0 0 0 CLOSED
QC11
_____________________________________________________________________

CHARGE ACCOUNT; ACCOUNT CLOSED AT CONSUMER'S REQUEST; CLOSED

OR PAID ACCOUNT/ZERO BALANCE
SYNCB/SAMS CLUB 01/05 424 IND $ PAST DUE
0608 10/14 08/01 484 0 R1 99 0 0 0 CLOSED
QC11
_____________________________________________________________________

CONTINUED ON NEXT PAGE

PETRO, DANIEL 464-02-3769
PETRO CAROLYN 457-94-0554
DATE: 03/15/2019 PAGE 6 OF 10

_______________________________________________________________________________
CREDIT INFORMATION

LAST HIGH NO PAST DUE REV PAID

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

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

REPORTED BY SUBSCRIBER; ACCOUNT CLOSED BY CONSUMER; ACCOUNT
CLOSED AT CONSUMER'S REQUEST; CLOSED OR PAID ACCOUNT/ZERO
BALANCE
SYNCB/SYNCHRONY MAST 06/18 4000 IND $0 PAST DUE
6261 10/18 11/15 292 0 R1 35 0 0 0 CLOSED
RC11 UC11 QC11
_____________________________________________________________________

CHARGE ACCOUNT; ACCOUNT CLOSED AT CONSUMER'S REQUEST; CLOSED

OR PAID ACCOUNT/ZERO BALANCE
SYNCG/GAP 03/04 400 IND $ PAST DUE
2122 01/14 11/01 111 0 R1 99 0 0 0 CLOSED
QC11
_____________________________________________________________________

CREDIT CARD; CREDIT LINE CLOSED - GRANTOR'S REQUEST - REPORTED

BY SUBSCRIBER; CLOSED OR PAID ACCOUNT/ZERO BALANCE; CLOSED
ACCOUNT
TARGET NATIONAL BANK 08/04 12500 IND $ PAST DUE
4717 03/10 07/03 251 0 R1 79 0 0 0 CLOSED
RC11 QC11
_____________________________________________________________________

CREDIT CARD; CREDIT LINE CLOSED - GRANTOR'S REQUEST - REPORTED

BY SUBSCRIBER; CLOSED OR PAID ACCOUNT/ZERO BALANCE; ACCOUNT
CLOSED BY CREDIT GRANTOR
USAA SAVINGS BANK 04/09 30000 JOINT $ PAST DUE
0130 11/10 08/05 16188 0 R1 19 0 0 0 CLOSED
RA11 RC11 QA11 QC11
_____________________________________________________________________

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

WF/DILLARDS 10/18 2000 IND $0 PAST DUE
9150 02/19 08/13 602 0 R1 67 0 0 0 REV X $0
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________
===============================================================================
TOTALS HIGH LMT
HIGH BAL CUR BAL PASTDUE PAYMENT
139824
787009 251519 0 1773
===============================================================================
CONTINUED ON NEXT PAGE
PETRO, DANIEL 464-02-3769
PETRO CAROLYN 457-94-0554
DATE: 03/15/2019 PAGE 7 OF 10

_______________________________________________________________________________
CREDITOR INFORMATION

BANK OF AMERICA (800)421-2110

PO BOX 982238, EL PASO, TX 79998

BARCLAYS BANK DELAWA (888)232-0780

PO BOX 8803, WILMINGTON, DE 19899

COMENITYBANK/EXPRESS
PO BOX 182789, COLUMBUS, OH 43218

CREDIT PLUS (410)742-9551

31550 WINTERPLACE PKWY, SALISBURY, MD 21804

DISCOVER FIN SVCS LLC (800)347-2683

PO BOX 15316, WILMINGTON, DE 19850

FORD MOTOR CREDIT COMP

PO BOX BOX 542000, OMAHA, NE 68154

MACY S/DSNB (800)243-6552

PO BOX 8218, MASON, OH 45040

MACY S/DSNB (800)243-6552

PO BOX 8218, MASON, OH 45040

PENNYMAC LOAN SERVICES (818)224-7442

6101 CONDOR DR, MOORPARK, CA 93021

PIONEER BANK SSB (512)829-2270

623 W 38TH ST, AUSTIN, TX 78705

PREFERRED CUSTOMER A (800)635-5585

PO BOX 94498, LAS VEGAS, NV 89193

PROVIDENT FUNDING AS (707)547-4050

1235 N DUTTON AVE STE E, SANTA ROSA, CA 95401

SYNCB/SYNCHRONY MAST (844)406-7427

PO BOX 965005, ORLANDO, FL 32896

TARGET NATIONAL BANK (888)755-5856

PO BOX 673, MINNEAPOLIS, MN 55440

USAA SAVINGS BANK

PO BOX 47504, SAN ANTONIO, TX 78265

USAA SAVINGS BANK

PO BOX 47504, SAN ANTONIO, TX 78265

WF/DILLARDS (877)302-6157
PO BOX 14517, DES MOINES, IA 50306
_______________________________________________________________________________
OFAC

_______________________________________________________________________________
Applicant OFAC Compliance

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

list.

No additional File Variation names found.

AKA records checked. No similar records found in OFAC's SDN list.

_______________________________________________________________________________
Co-applicant OFAC Compliance

Co-applicant input name checked. No similar records found in OFAC's SDN

list.

No additional File Variation names found.

No additional AKA names found.

CONTINUED ON NEXT PAGE
PETRO, DANIEL 464-02-3769
PETRO CAROLYN 457-94-0554
DATE: 03/15/2019 PAGE 8 OF 10

_______________________________________________________________________________
MISCELLANEOUS INFORMATION

AKA: PETRO, DANNY

AKA: PETRO, DANIELLOUIS
UA11
AKA: PETRO, CAROLYN, JANE
AKA: REEVES, CAROLYN, JANE
UC11
PETRO, DANIEL L
NICKNAME: PETRO, DANNY
RA11
CONSUMER STATEMENT: FRAUD VICTIM. 'EXTENDED ALERT'. CONSUMER HAS REQUESTED
AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME 2104148747 EX-00000
EVENING 2104148747 EX-00000
QA11
FACTA: EXTENDED FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE
OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT (210) 414-8747
FACTA: EXTENDED FRAUD VICTIM ALERT ON FILE
UA11
TRANSUNION HIGH RISK FRAUD ALERT WAS COMPLETED ON APPLICANT BY SEARCHING
APPLICANT'S NAME, SOCIAL SECURITY NUMBER AND ADDRESS. NO FRAUDULENT
ACTIVITY WAS FOUND.
UC11
FACTA: FRAUD VICTIM - EXTENDED ALERT
QA11
FACTA: 06& 03-17-18 0000000 ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS
MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY
CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT
WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION
INFORMATION AT DAY 210-414-8747 OR EVENING 210-414-8747 . THIS VICTIM
ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 03-17-18.
RA11
_______________________________________________________________________________
REPOSITORY ADDRESS INFORMATION

8611 NICHOLS, BOERNE, TX 78015-5003 --- 01/13 B/C

UA11 UC11
1053 GLENWOOD LP, BULVERDE, TX 78163-1614 --- 06/06 B/C
UA11 UC11
8700 STARR 4207, BOERNE, TX 78015-5025 --- 09/12 BOR
UA11
12814 LAGUNA VISTA DR, SAN ANTONIO, TX 78216-7712 --- --- COB
UC11
8611 NICHOLS CRK, BOERNE, TX 78015 01/13 03/18 B/C
QA11 RA11 QC11 RC11
1053 GLENWOOD LOOP, BULVERDE, TX 78163 01/18 02/09 B/C
QA11 RA11 QC11 RC11
8700 STARR RNCH APT 4207, BOERNE, TX 78015 03/19 10/12 B/C
QA11 QC11 RC11
5202 TEXANA DR, SAN ANTONIO, TX 78249-3772 04/06 07/06 BOR
RA11
CONTINUED ON NEXT PAGE
PETRO, DANIEL 464-02-3769
PETRO CAROLYN 457-94-0554
DATE: 03/15/2019 PAGE 9 OF 10

_______________________________________________________________________________
REPOSITORY EMPLOYMENT INFORMATION

SOUTHWESTERN BELL 10/YR 05/15 BOR

UA11 RA11
SW BELL --- --- BOR
UA11
DIGITAL EQUIP --- --- COB
UC11
HB ZACHARY SECTY --- --- COB
UC11
RETIRED --- --- BOR
QA11
SOUTH WESTERN BELL CORP 08/99 08/99 BOR
RA11
HOMEMAKER --- --- COB
QC11
RESOURCE GUIDES 06/05 06/05 COB
RC11

_______________________________________________________________________________
SUMMARY INFORMATION

OLDEST TRADELINE DATE.....................................08/1990

PUBLIC RECORDS..................................................0
NUMBER OF INQUIRIES IN LAST 120 DAYS:...........................4
NUMBER OF OPEN REVOLVING TRADES:................................3
NUMBER OF OPEN INSTALLMENT TRADES:..............................2
NUMBER OF BALANCE MONTHLY TRADES:...............................0
TOTAL NUMBER OF OPEN TRADES:....................................5
REVOLVING CREDIT LIMIT:..................................$139,824
REVOLVING HIGH BALANCE:...................................$59,681
INSTALLMENT HIGH BALANCE:................................$727,328
BALANCE MONTHLY HIGH BALANCE:..................................$0
BALANCE MONTHLY OWED:..........................................$0
REVOLVING BALANCE OWED........................................$96
INSTALLMENT BALANCE OWED.................................$251,423
TOTAL BALANCE OWED:......................................$251,519
OPEN REVOLVING PAYMENTS:.....................................$223
OPEN INSTALLMENT PAYMENTS:...................................1550
TOTAL OPEN PAYMENTS:.........................................1773
REVOLVING AMOUNT PAST DUE:......................................0
INSTALLMENT AMOUNT PAST DUE:....................................0
BALANCE MONTHLY AMOUNT PAST DUE:................................0
TOTAL AMOUNT PAST DUE:..........................................0
PAYMENTS 30 TO 59 DAYS LATE:....................................0
PAYMENTS 60 TO 89 DAYS LATE:....................................0
PAYMENTS 90 TO 119 DAYS LATE:...................................0
PAYMENTS 120 AND OVER DAYS LATE:................................0
NUMBER OF COLLECTION TRADE LINES:...............................0
NUMBER OF BANKRUPTCY TRADE LINES:...............................0
NUMBER OF FORECLOSURE TRADE LINES:..............................0
NUMBER OF PROFIT AND LOSS TRADE LINES:..........................0
CONTINUED ON NEXT PAGE
PETRO, DANIEL 464-02-3769
PETRO CAROLYN 457-94-0554
DATE: 03/15/2019 PAGE 10 OF 10

_______________________________________________________________________________
SUMMARY INFORMATION

NUMBER OF REPOSSESSION TRADE LINES:.............................0

NUMBER OF ADVERSE TRADE LINES:..................................0
TOTAL NUMBER OF TRADELINES.....................................22

0177B3D25EF5

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

CORNERSTONE HOME LENDING, INC.-148 --------------------------------

4372 N LOOP 1604 WEST STE 300
|Request Date:|3/15/2019 |

SAN ANTONIO TX 78231 |-------------|----------------|

(210)340-4994
|Report ID: |K4406BXCA041779 |

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

Daniel Petro
8611 Nichols Creek
Boerne, TX 78015

------------------------------------------------------------------------------
| Your Credit Score |
|----------------------------------------------------------------------------|
| Your Credit | 813 |
| Score | Source: Equifax Consumer Relations 3/15/2019 |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| What you should | Your credit score is a number that reflects the |
| know about | information in your credit report. |
| credit scores | |
| | Your credit report is a record of your credit history. |
| | It includes information about whether you pay your bills |
| | on time and how much you owe creditors. |
| | |
| | Your credit score can change, depending on how your |
| | credit history changes. |
|-----------------|----------------------------------------------------------|
| How we use your | Your credit score can affect whether you can get a loan |
| credit score | and how much you will have to pay for that loan. |
|-----------------|----------------------------------------------------------|
| The range of | |
| scores | Scores range from a low of 334 to a high of 818. |
| | |
| | Generally, the higher your score, the more likely you are|
| | to be offered better credit terms. |
|-----------------|----------------------------------------------------------|
| How your score | Equifax |
| compares to the | |
| scores of other | Your credit score ranks higher than [ 97 ] percent of |
| consumers | U.S. Consumers |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| Key factors that| Equifax |
| adversely | 11 AMOUNT OWED ON REVOLVING ACCOUNT IS TOO HIGH |
| affected your | 00 |
| credit score | 00 |
| | 00 |

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

CONTINUED ON NEXT PAGE

 Notice to Home Loan Applicant

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

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

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

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

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

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

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

Equifax Consumer Relations

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

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

CORNERSTONE HOME LENDING, INC.-148 --------------------------------

4372 N LOOP 1604 WEST STE 300
|Request Date:|3/15/2019 |

SAN ANTONIO TX 78231 |-------------|----------------|

(210)340-4994
|Report ID: |K4406BXCA041779 |

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

Carolyn Petro
8611 Nichols Creek
Boerne, TX 78015

------------------------------------------------------------------------------
| Your Credit Score |
|----------------------------------------------------------------------------|
| Your Credit | 819 |
| Score | Source: TransUnion Consumer Relations 3/15/2019 |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| What you should | Your credit score is a number that reflects the |
| know about | information in your credit report. |
| credit scores | |
| | Your credit report is a record of your credit history. |
| | It includes information about whether you pay your bills |
| | on time and how much you owe creditors. |
| | |
| | Your credit score can change, depending on how your |
| | credit history changes. |
|-----------------|----------------------------------------------------------|
| How we use your | Your credit score can affect whether you can get a loan |
| credit score | and how much you will have to pay for that loan. |
|-----------------|----------------------------------------------------------|
| The range of | |
| scores | Scores range from a low of 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 | Transunion |
| compares to the | |
| scores of other | Your credit score ranks higher than [ 99 ] percent of |
| consumers | U.S. Consumers |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| Key factors that| Transunion |
| adversely | 014 Length of time accounts have been established |
| affected your | 012 Length of time revolving accounts have been established|
------------------------------------------------------------------------------
CONTINUED ON NEXT PAGE
------------------------------------------------------------------------------
| Checking Your Credit Report |
|----------------------------------------------------------------------------|
| What if there | You have a right to dispute any inaccurate information in|
| are mistakes in | your credit report. If you find mistakes on your credit |
| your credit | report, contact the consumer reporting agency. |
| report? | |
| | It is a good idea to check your credit report to make |
| | sure the information it contains is accurate. |
|-----------------|----------------------------------------------------------|
| How can you | Under Federal law, you have the right to obtain a free |
| obtain a copy of| copy of your credit report from each of the nationwide |
| your credit | consumer reporting agencies once a year. |
| report? | |
| | To order your free annual credit report: |
| | |
| | By telephone: Call toll-free: 1-877-322-8228 |
| | |
| | On the web: Visit www.annualcreditreport.com |
| | |
| | By mail: Mail your completed Annual Credit Report |
| | Request Form (which you can obtain from the|
| | Federal Trade Commission's web site at |
| | http://www.ftc.gov/bcp/conline/include/ |
| | requestformfinal.pdf |
| | |
| | Annual Credit Report Request Service |
| | P.O. Box 105281 |
| | Atlanta, GA 30348-5281 |
|-----------------|----------------------------------------------------------|
| How can you | For more information about credit reports and your rights|
| get more | under Federal law, visit the Consumer Financial |
| information? | Protection Bureau's website at |
| | www.consumerfinance.gov/learnmore. |
------------------------------------------------------------------------------

CONTINUED ON NEXT PAGE

 Notice to Home Loan Applicant

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

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

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

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

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

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

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

TransUnion Consumer Relations

PO Box 1000
Chester, PA 19016-1000
(800) 916-8800
www.transunion.com/myoptions

H3-
2.4.8.0

PETRO, DANIEL 464-02-3769

PETRO CAROLYN 457-94-0554
DATE: 03/15/2019 PAGE 1 OF 10
Factual Data
 Bureau Express Report
THIS IS A MERGED INFILE

TransUnion Consumer Equifax Consumer Experian Consumer

Relations Relations Relations
PO Box 1000 PO Box 740241 PO Box 2002
Chester, PA 19016-1000 Atlanta, GA 30374 Allen, TX 75013
(800) 916-8800 (800) 685-1111 (888) 397-3742
www.transunion.com/myoptions www.equifax.com/fcra www.experian.com

This report is furnished in response to a consumer or business application.

The information contained herein meets the standards set forth by FNMA, FHLMC,
FHA/VA and the Rural Housing Service. The information contained herein meets
all guidelines set forth by the Fair Credit Reporting Act; it is to be held in
strict confidence and may be revealed only to those whose official duties
require the information in relation to which this report was ordered, except
that which is required by law. The information has been obtained from sources
deemed reliable, the accuracy of which Factual Data does not guarantee.

CORNERSTONE HOME LENDING, INC.-148 FACTUAL DATA

4372 N LOOP 1604 WEST STE 300 5100 HAHNS PEAK DRIVE
SAN ANTONIO, TX 78231 LOVELAND, CO 80538
(210)340-4994 (4406-0086SA) (800)324-5005

REF #K4406BXCA041779 03/15/2019 08:04:41

SOURCE: lcantu CHARGES: 93.64
_______________________________________________________________________________
APPLICATION INFORMATION

PETRO, DANIEL 464-02-3769 01/08/1952

PETRO, CAROLYN 457-94-0554 02/02/1951

PRESENT ADDRESS: 8611 NICHOLS CREEK, BOERNE, TX 78015

_______________________________________________________________________________
FILE VERIFICATIONS

TU UA11 B 464-02-3769 PETRO, DANIEL LOUIS JR

03/15/19 08:04 DOB: 01/08/1952
EQUIFAX QA11 B 464-02-3769 PETRO, DANIEL L JR
03/15/19 08:04 DOB: 01/08/1952
EXPERIAN RA11 B 464-02-3769 PETRO, DANIEL LOUIS JR
03/15/19 08:04 DOB: 1952
TU UC11 C 457-94-0554 PETRO, CAROLYN L
03/15/19 08:04 DOB: 02/02/1951
EQUIFAX QC11 C 457-94-0554 PETRO, CAROLYN J
03/15/19 08:04 DOB: 02/02/1951
EXPERIAN RC11 C 457-94-0554 PETRO, CAROLYN J
03/15/19 08:04 DOB: 1951

CONTINUED ON NEXT PAGE

PETRO, DANIEL 464-02-3769
PETRO CAROLYN 457-94-0554
DATE: 03/15/2019 PAGE 2 OF 10

_______________________________________________________________________________
CREDIT SCORE INFORMATION

FAIR ISAAC/EXPERIAN INFORMATION: B 464-02-3769 PETRO, DANIEL LOUIS JR

CREDIT RISK SCORE: 0812 [Fair Isaac V2]
FAIR ISAAC REASON CODES
12 - LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
17 - NO RECENT NON-MORTGAGE BALANCE INFORMATION
24 - NO RECENT REVOLVING BALANCES

FAIR ISAAC/EXPERIAN INFORMATION: C 457-94-0554 PETRO, CAROLYN J

CREDIT RISK SCORE: 0821 [Fair Isaac V2]
FAIR ISAAC REASON CODES
12 - LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
17 - NO RECENT NON-MORTGAGE BALANCE INFORMATION
24 - NO RECENT REVOLVING BALANCES

FAIR ISAAC/TRANS UNION EMPIRICA INFORMATION: B 464-02-3769 PETRO, DANIEL LOUIS JR

CREDIT RISK SCORE: 819 [Classic 04]
EMPIRICA REASON CODES
014 - Length of time accounts have been established
012 - Length of time revolving accounts have been established

FAIR ISAAC/TRANS UNION EMPIRICA INFORMATION: C 457-94-0554 PETRO, CAROLYN L

CREDIT RISK SCORE: 819 [Classic 04]
EMPIRICA REASON CODES
014 - Length of time accounts have been established
012 - Length of time revolving accounts have been established

FAIR ISAAC/EQUIFAX BEACON INFORMATION: B 464-02-3769 PETRO, DANIEL L JR

CREDIT RISK SCORE: 0813 [BEACON 5]
BEACON REASON CODES
11 - AMOUNT OWED ON REVOLVING ACCOUNT IS TOO HIGH

FAIR ISAAC/EQUIFAX BEACON INFORMATION: C 457-94-0554 PETRO, CAROLYN J

CREDIT RISK SCORE: 0813 [BEACON 5]
BEACON REASON CODES
11 - AMOUNT OWED ON REVOLVING ACCOUNT IS TOO HIGH
_______________________________________________________________________________
PUBLIC RECORDS

NO PUBLIC RECORDS FOUND.

03/15/2019 CORNERSTONE HOME LEN
UA11 UC11
03/14/2019 CORNERSTONE HOME LEN
UC11
03/14/2019 CREDITPLUS
QC11
03/14/2019 CREDIT PLUS
RC11
CONTINUED ON NEXT PAGE
PETRO, DANIEL 464-02-3769
PETRO CAROLYN 457-94-0554
DATE: 03/15/2019 PAGE 3 OF 10

_______________________________________________________________________________
CREDIT INFORMATION

LAST HIGH NO PAST DUE REV PAID

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

CONVENTIONAL MORTGAGE; FANNE MAE ACCOUNT; REAL ESTATE

MORTGAGE; FIXED RATE
PENNYMAC LOAN SERVICES 02/19 --- JOINT $0 PAST DUE
6188000099052 03/19 12/12 232760 194765 M1 72 0 0 0 360X $1061
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________

SECURED HOME IMPROVEMENT; BALLOON PAYMENT; HOME IMPROVEMENT

LOAN; SECURED; FIXED RATE
PIONEER BANK SSB 02/19 --- IND $0 PAST DUE
48098066 02/19 09/13 69738 56658 M1 29 0 0 0 240X $489
RA11 UA11 QA11
_____________________________________________________________________

ACCOUNT PREVIOUSLY IN DISPUTE - NOW RESOLVED - REPORTED BY

SUBSCRIBER; DISPUTE RESOLVED - REPORTED BY GRANTOR; AMOUNT IN
H/C COLUMN IS CREDIT LIMIT; ACCOUNT PREVIOUSLY IN DISPUTE ?
NOW RESOLVED BY DATA FURNISHER
USAA SAVINGS BANK 03/19 30000 JOINT $0 PAST DUE
8163 03/19 08/05 21339 96 R1 99 0 0 0 REV X $223
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________

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

REPORTED BY SUBSCRIBER; ACCOUNT CLOSED AT CONSUMER'S REQUEST;
AMOUNT IN H/C COLUMN IS CREDIT LIMIT
BANK OF AMERICA 02/08 26300 IND $ PAST DUE
5582 07/11 11/04 297 0 R1 80 0 0 0 CLOSED
RC11 QC11
_____________________________________________________________________

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

REPORTED BY SUBSCRIBER; ACCOUNT CLOSED AT CONSUMER'S REQUEST;
CLOSED OR PAID ACCOUNT/ZERO BALANCE
BARCLAYS BANK DELAWA 01/09 10000 IND $ PAST DUE
6778 11/13 07/08 178 0 R1 64 0 0 0 CLOSED
RC11 QC11
_____________________________________________________________________
CONTINUED ON NEXT PAGE
PETRO, DANIEL 464-02-3769
PETRO CAROLYN 457-94-0554
DATE: 03/15/2019 PAGE 4 OF 10

_______________________________________________________________________________
CREDIT INFORMATION

LAST HIGH NO PAST DUE REV PAID

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

CHARGE ACCOUNT; CREDIT LINE CLOSED - GRANTOR'S REQUEST -

REPORTED BY SUBSCRIBER; CANCELED BY CREDIT GRANTOR; ACCOUNT
CLOSED BY CREDIT GRANTOR; AMOUNT IN H/C COLUMN IS CREDIT LIMIT
COMENITYBANK/EXPRESS 08/13 1000 IND $ PAST DUE
2229 12/13 11/09 74 0 R1 48 0 0 0 CLOSED
RC11 UC11 QC11
_____________________________________________________________________

CREDIT CARD; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE;

CREDIT CARD
DISCOVER FIN SVCS LLC 04/13 3000 IND $0 PAST DUE
2049 05/13 06/05 --- 0 R1 95 0 0 0 CLOSED
RC11 UC11 QC11
_____________________________________________________________________

SECURED HOME IMPROVEMENT; TRANSFER; ACCOUNT TRANSFERRED OR

SOLD; FIXED RATE
FIRST COMMUNITY BANK N 10/16 --- IND $0 PAST DUE
38000000000480980660913
10/16 09/13 69738 0 M1 38 0 0 0 240X $ ---
RA11 UA11 QA11
_____________________________________________________________________

AUTOMOBILE; CLOSED; CLOSED OR PAID ACCOUNT/ZERO BALANCE; AUTO;

FIXED RATE
FORD MOTOR CREDIT COMP 08/14 --- JOINT $0 PAST DUE
49753972 08/14 01/14 45492 0 I1 8 0 0 0 CLOSED
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________

CHARGE ACCOUNT; CLOSED DUE TO INACTIVITY; CLOSED OR PAID

ACCOUNT/ZERO BALANCE; AMOUNT IN H/C COLUMN IS CREDIT LIMIT
MACY S/DSNB 01/07 100 IND $ PAST DUE
5225 02/19 08/90 1338 0 R1 99 0 0 0 CLOSED
RC11 QC11
_____________________________________________________________________

CHARGE ACCOUNT; CHARGE; AMOUNT IN H/C COLUMN IS CREDIT LIMIT

MACY S/DSNB 12/18 2000 IND $0 PAST DUE
1530 02/19 12/04 848 0 R1 99 0 0 0 REV X $0
RC11 UC11 QC11
_____________________________________________________________________
CONTINUED ON NEXT PAGE
PETRO, DANIEL 464-02-3769
PETRO CAROLYN 457-94-0554
DATE: 03/15/2019 PAGE 5 OF 10

_______________________________________________________________________________
CREDIT INFORMATION

LAST HIGH NO PAST DUE REV PAID

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

CHARGE ACCOUNT; CREDIT LINE CLOSED - CONSUMER'S REQUEST -

REPORTED BY SUBSCRIBER; ACCOUNT CLOSED BY CONSUMER; ACCOUNT
CLOSED AT CONSUMER'S REQUEST; CLOSED OR PAID ACCOUNT/ZERO
BALANCE
PREFERRED CUSTOMER A 12/12 17000 IND $0 PAST DUE
8970 05/13 07/11 17000 0 R1 21 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

CONVENTIONAL MORTGAGE; CREDIT LINE CLOSED - CONSUMER'S REQUEST

- REPORTED BY SUBSCRIBER; ACCOUNT CLOSED BY CONSUMER; FREDDIE
MAC ACCOUNT; ACCOUNT CLOSED AT CONSUMER'S REQUEST
PROVIDENT FUNDING AS 08/12 --- IND $ PAST DUE
1618120266 09/12 01/09 309600 0 M1 45 0 0 0 CLOSED
RA11 UA11 QA11
_____________________________________________________________________

CHARGE ACCOUNT; ACCOUNT CLOSED AT CONSUMER'S REQUEST; CLOSED

OR PAID ACCOUNT/ZERO BALANCE
SYNCB/BANANA REPUBLI 09/07 800 IND $ PAST DUE
5511 01/16 07/03 181 0 R1 99 0 0 0 CLOSED
QC11
_____________________________________________________________________

CHARGE ACCOUNT; ACCOUNT CLOSED AT CONSUMER'S REQUEST; CLOSED

OR PAID ACCOUNT/ZERO BALANCE
SYNCB/LOWES 08/04 0 IND $ PAST DUE
4073 06/14 04/04 403 0 R1 99 0 0 0 CLOSED
QC11
_____________________________________________________________________

CHARGE ACCOUNT; CLOSED OR PAID ACCOUNT/ZERO BALANCE; AMOUNT IN

H/C COLUMN IS CREDIT LIMIT
SYNCB/OLD NAVY 09/04 300 IND $ PAST DUE
2329 07/14 08/03 95 0 R1 99 0 0 0 CLOSED
QC11
_____________________________________________________________________

CHARGE ACCOUNT; ACCOUNT CLOSED AT CONSUMER'S REQUEST; CLOSED

OR PAID ACCOUNT/ZERO BALANCE
SYNCB/SAMS CLUB 01/05 424 IND $ PAST DUE
0608 10/14 08/01 484 0 R1 99 0 0 0 CLOSED
QC11
_____________________________________________________________________
CONTINUED ON NEXT PAGE
PETRO, DANIEL 464-02-3769
PETRO CAROLYN 457-94-0554
DATE: 03/15/2019 PAGE 6 OF 10

_______________________________________________________________________________
CREDIT INFORMATION

LAST HIGH NO PAST DUE REV PAID

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

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

REPORTED BY SUBSCRIBER; ACCOUNT CLOSED BY CONSUMER; ACCOUNT
CLOSED AT CONSUMER'S REQUEST; CLOSED OR PAID ACCOUNT/ZERO
BALANCE
SYNCB/SYNCHRONY MAST 06/18 4000 IND $0 PAST DUE
6261 10/18 11/15 292 0 R1 35 0 0 0 CLOSED
RC11 UC11 QC11
_____________________________________________________________________

CHARGE ACCOUNT; ACCOUNT CLOSED AT CONSUMER'S REQUEST; CLOSED

OR PAID ACCOUNT/ZERO BALANCE
SYNCG/GAP 03/04 400 IND $ PAST DUE
2122 01/14 11/01 111 0 R1 99 0 0 0 CLOSED
QC11
_____________________________________________________________________

CREDIT CARD; CREDIT LINE CLOSED - GRANTOR'S REQUEST - REPORTED

BY SUBSCRIBER; CLOSED OR PAID ACCOUNT/ZERO BALANCE; CLOSED
ACCOUNT
TARGET NATIONAL BANK 08/04 12500 IND $ PAST DUE
4717 03/10 07/03 251 0 R1 79 0 0 0 CLOSED
RC11 QC11
_____________________________________________________________________

CREDIT CARD; CREDIT LINE CLOSED - GRANTOR'S REQUEST - REPORTED

BY SUBSCRIBER; CLOSED OR PAID ACCOUNT/ZERO BALANCE; ACCOUNT
CLOSED BY CREDIT GRANTOR
USAA SAVINGS BANK 04/09 30000 JOINT $ PAST DUE
0130 11/10 08/05 16188 0 R1 19 0 0 0 CLOSED
RA11 RC11 QA11 QC11
_____________________________________________________________________

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

WF/DILLARDS 10/18 2000 IND $0 PAST DUE
9150 02/19 08/13 602 0 R1 67 0 0 0 REV X $0
RA11 RC11 UA11 UC11 QA11 QC11
_____________________________________________________________________
===============================================================================
TOTALS HIGH LMT
HIGH BAL CUR BAL PASTDUE PAYMENT
139824
787009 251519 0 1773
===============================================================================
CONTINUED ON NEXT PAGE
PETRO, DANIEL 464-02-3769
PETRO CAROLYN 457-94-0554
DATE: 03/15/2019 PAGE 7 OF 10

_______________________________________________________________________________
CREDITOR INFORMATION

BANK OF AMERICA (800)421-2110

PO BOX 982238, EL PASO, TX 79998

BARCLAYS BANK DELAWA (888)232-0780

PO BOX 8803, WILMINGTON, DE 19899

COMENITYBANK/EXPRESS
PO BOX 182789, COLUMBUS, OH 43218

CREDIT PLUS (410)742-9551

31550 WINTERPLACE PKWY, SALISBURY, MD 21804

DISCOVER FIN SVCS LLC (800)347-2683

PO BOX 15316, WILMINGTON, DE 19850

FORD MOTOR CREDIT COMP

PO BOX BOX 542000, OMAHA, NE 68154

MACY S/DSNB (800)243-6552

PO BOX 8218, MASON, OH 45040

MACY S/DSNB (800)243-6552

PO BOX 8218, MASON, OH 45040

PENNYMAC LOAN SERVICES (818)224-7442

6101 CONDOR DR, MOORPARK, CA 93021

PIONEER BANK SSB (512)829-2270

623 W 38TH ST, AUSTIN, TX 78705

PREFERRED CUSTOMER A (800)635-5585

PO BOX 94498, LAS VEGAS, NV 89193

PROVIDENT FUNDING AS (707)547-4050

1235 N DUTTON AVE STE E, SANTA ROSA, CA 95401

SYNCB/SYNCHRONY MAST (844)406-7427

PO BOX 965005, ORLANDO, FL 32896

TARGET NATIONAL BANK (888)755-5856

PO BOX 673, MINNEAPOLIS, MN 55440

USAA SAVINGS BANK

PO BOX 47504, SAN ANTONIO, TX 78265

USAA SAVINGS BANK

PO BOX 47504, SAN ANTONIO, TX 78265

WF/DILLARDS (877)302-6157
PO BOX 14517, DES MOINES, IA 50306
_______________________________________________________________________________
OFAC

_______________________________________________________________________________
Applicant OFAC Compliance

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

list.

No additional File Variation names found.

AKA records checked. No similar records found in OFAC's SDN list.

_______________________________________________________________________________
Co-applicant OFAC Compliance

Co-applicant input name checked. No similar records found in OFAC's SDN

list.

No additional File Variation names found.

No additional AKA names found.

CONTINUED ON NEXT PAGE
PETRO, DANIEL 464-02-3769
PETRO CAROLYN 457-94-0554
DATE: 03/15/2019 PAGE 8 OF 10

_______________________________________________________________________________
MISCELLANEOUS INFORMATION

AKA: PETRO, DANNY

AKA: PETRO, DANIELLOUIS
UA11
AKA: PETRO, CAROLYN, JANE
AKA: REEVES, CAROLYN, JANE
UC11
PETRO, DANIEL L
NICKNAME: PETRO, DANNY
RA11
CONSUMER STATEMENT: FRAUD VICTIM. 'EXTENDED ALERT'. CONSUMER HAS REQUESTED
AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME 2104148747 EX-00000
EVENING 2104148747 EX-00000
QA11
FACTA: EXTENDED FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE
OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT (210) 414-8747
FACTA: EXTENDED FRAUD VICTIM ALERT ON FILE
UA11
TRANSUNION HIGH RISK FRAUD ALERT WAS COMPLETED ON APPLICANT BY SEARCHING
APPLICANT'S NAME, SOCIAL SECURITY NUMBER AND ADDRESS. NO FRAUDULENT
ACTIVITY WAS FOUND.
UC11
FACTA: FRAUD VICTIM - EXTENDED ALERT
QA11
FACTA: 06& 03-17-18 0000000 ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS
MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY
CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT
WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION
INFORMATION AT DAY 210-414-8747 OR EVENING 210-414-8747 . THIS VICTIM
ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 03-17-18.
RA11
_______________________________________________________________________________
REPOSITORY ADDRESS INFORMATION

8611 NICHOLS, BOERNE, TX 78015-5003 --- 01/13 B/C

UA11 UC11
1053 GLENWOOD LP, BULVERDE, TX 78163-1614 --- 06/06 B/C
UA11 UC11
8700 STARR 4207, BOERNE, TX 78015-5025 --- 09/12 BOR
UA11
12814 LAGUNA VISTA DR, SAN ANTONIO, TX 78216-7712 --- --- COB
UC11
8611 NICHOLS CRK, BOERNE, TX 78015 01/13 03/18 B/C
QA11 RA11 QC11 RC11
1053 GLENWOOD LOOP, BULVERDE, TX 78163 01/18 02/09 B/C
QA11 RA11 QC11 RC11
8700 STARR RNCH APT 4207, BOERNE, TX 78015 03/19 10/12 B/C
QA11 QC11 RC11
5202 TEXANA DR, SAN ANTONIO, TX 78249-3772 04/06 07/06 BOR
RA11
CONTINUED ON NEXT PAGE
PETRO, DANIEL 464-02-3769
PETRO CAROLYN 457-94-0554
DATE: 03/15/2019 PAGE 9 OF 10

_______________________________________________________________________________
REPOSITORY EMPLOYMENT INFORMATION

SOUTHWESTERN BELL 10/YR 05/15 BOR

UA11 RA11
SW BELL --- --- BOR
UA11
DIGITAL EQUIP --- --- COB
UC11
HB ZACHARY SECTY --- --- COB
UC11
RETIRED --- --- BOR
QA11
SOUTH WESTERN BELL CORP 08/99 08/99 BOR
RA11
HOMEMAKER --- --- COB
QC11
RESOURCE GUIDES 06/05 06/05 COB
RC11

_______________________________________________________________________________
SUMMARY INFORMATION

OLDEST TRADELINE DATE.....................................08/1990

PUBLIC RECORDS..................................................0
NUMBER OF INQUIRIES IN LAST 120 DAYS:...........................4
NUMBER OF OPEN REVOLVING TRADES:................................3
NUMBER OF OPEN INSTALLMENT TRADES:..............................2
NUMBER OF BALANCE MONTHLY TRADES:...............................0
TOTAL NUMBER OF OPEN TRADES:....................................5
REVOLVING CREDIT LIMIT:..................................$139,824
REVOLVING HIGH BALANCE:...................................$59,681
INSTALLMENT HIGH BALANCE:................................$727,328
BALANCE MONTHLY HIGH BALANCE:..................................$0
BALANCE MONTHLY OWED:..........................................$0
REVOLVING BALANCE OWED........................................$96
INSTALLMENT BALANCE OWED.................................$251,423
TOTAL BALANCE OWED:......................................$251,519
OPEN REVOLVING PAYMENTS:.....................................$223
OPEN INSTALLMENT PAYMENTS:...................................1550
TOTAL OPEN PAYMENTS:.........................................1773
REVOLVING AMOUNT PAST DUE:......................................0
INSTALLMENT AMOUNT PAST DUE:....................................0
BALANCE MONTHLY AMOUNT PAST DUE:................................0
TOTAL AMOUNT PAST DUE:..........................................0
PAYMENTS 30 TO 59 DAYS LATE:....................................0
PAYMENTS 60 TO 89 DAYS LATE:....................................0
PAYMENTS 90 TO 119 DAYS LATE:...................................0
PAYMENTS 120 AND OVER DAYS LATE:................................0
NUMBER OF COLLECTION TRADE LINES:...............................0
NUMBER OF BANKRUPTCY TRADE LINES:...............................0
NUMBER OF FORECLOSURE TRADE LINES:..............................0
NUMBER OF PROFIT AND LOSS TRADE LINES:..........................0
CONTINUED ON NEXT PAGE
PETRO, DANIEL 464-02-3769
PETRO CAROLYN 457-94-0554
DATE: 03/15/2019 PAGE 10 OF 10

_______________________________________________________________________________
SUMMARY INFORMATION

NUMBER OF REPOSSESSION TRADE LINES:.............................0

NUMBER OF ADVERSE TRADE LINES:..................................0
TOTAL NUMBER OF TRADELINES.....................................22

0177B3D25EF5

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

CORNERSTONE HOME LENDING, INC.-148 --------------------------------

4372 N LOOP 1604 WEST STE 300
|Request Date:|3/15/2019 |

SAN ANTONIO TX 78231 |-------------|----------------|

(210)340-4994
|Report ID: |K4406BXCA041779 |

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

Daniel Petro
8611 Nichols Creek
Boerne, TX 78015

------------------------------------------------------------------------------
| Your Credit Score |
|----------------------------------------------------------------------------|
| Your Credit | 813 |
| Score | Source: Equifax Consumer Relations 3/15/2019 |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| What you should | Your credit score is a number that reflects the |
| know about | information in your credit report. |
| credit scores | |
| | Your credit report is a record of your credit history. |
| | It includes information about whether you pay your bills |
| | on time and how much you owe creditors. |
| | |
| | Your credit score can change, depending on how your |
| | credit history changes. |
|-----------------|----------------------------------------------------------|
| How we use your | Your credit score can affect whether you can get a loan |
| credit score | and how much you will have to pay for that loan. |
|-----------------|----------------------------------------------------------|
| The range of | |
| scores | Scores range from a low of 334 to a high of 818. |
| | |
| | Generally, the higher your score, the more likely you are|
| | to be offered better credit terms. |
|-----------------|----------------------------------------------------------|
| How your score | Equifax |
| compares to the | |
| scores of other | Your credit score ranks higher than [ 97 ] percent of |
| consumers | U.S. Consumers |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| Key factors that| Equifax |
| adversely | 11 AMOUNT OWED ON REVOLVING ACCOUNT IS TOO HIGH |
| affected your | 00 |
| credit score | 00 |
| | 00 |

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

CONTINUED ON NEXT PAGE

 Notice to Home Loan Applicant

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

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

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

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

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

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

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

Equifax Consumer Relations

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

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

CORNERSTONE HOME LENDING, INC.-148 --------------------------------

4372 N LOOP 1604 WEST STE 300
|Request Date:|3/15/2019 |

SAN ANTONIO TX 78231 |-------------|----------------|

(210)340-4994
|Report ID: |K4406BXCA041779 |

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

Carolyn Petro
8611 Nichols Creek
Boerne, TX 78015

------------------------------------------------------------------------------
| Your Credit Score |
|----------------------------------------------------------------------------|
| Your Credit | 819 |
| Score | Source: TransUnion Consumer Relations 3/15/2019 |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| What you should | Your credit score is a number that reflects the |
| know about | information in your credit report. |
| credit scores | |
| | Your credit report is a record of your credit history. |
| | It includes information about whether you pay your bills |
| | on time and how much you owe creditors. |
| | |
| | Your credit score can change, depending on how your |
| | credit history changes. |
|-----------------|----------------------------------------------------------|
| How we use your | Your credit score can affect whether you can get a loan |
| credit score | and how much you will have to pay for that loan. |
|-----------------|----------------------------------------------------------|
| The range of | |
| scores | Scores range from a low of 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 | Transunion |
| compares to the | |
| scores of other | Your credit score ranks higher than [ 99 ] percent of |
| consumers | U.S. Consumers |
| | |
------------------------------------------------------------------------------
------------------------------------------------------------------------------
| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| Key factors that| Transunion |
| adversely | 014 Length of time accounts have been established |
| affected your | 012 Length of time revolving accounts have been established|
------------------------------------------------------------------------------
CONTINUED ON NEXT PAGE
------------------------------------------------------------------------------
| Checking Your Credit Report |
|----------------------------------------------------------------------------|
| What if there | You have a right to dispute any inaccurate information in|
| are mistakes in | your credit report. If you find mistakes on your credit |
| your credit | report, contact the consumer reporting agency. |
| report? | |
| | It is a good idea to check your credit report to make |
| | sure the information it contains is accurate. |
|-----------------|----------------------------------------------------------|
| How can you | Under Federal law, you have the right to obtain a free |
| obtain a copy of| copy of your credit report from each of the nationwide |
| your credit | consumer reporting agencies once a year. |
| report? | |
| | To order your free annual credit report: |
| | |
| | By telephone: Call toll-free: 1-877-322-8228 |
| | |
| | On the web: Visit www.annualcreditreport.com |
| | |
| | By mail: Mail your completed Annual Credit Report |
| | Request Form (which you can obtain from the|
| | Federal Trade Commission's web site at |
| | http://www.ftc.gov/bcp/conline/include/ |
| | requestformfinal.pdf |
| | |
| | Annual Credit Report Request Service |
| | P.O. Box 105281 |
| | Atlanta, GA 30348-5281 |
|-----------------|----------------------------------------------------------|
| How can you | For more information about credit reports and your rights|
| get more | under Federal law, visit the Consumer Financial |
| information? | Protection Bureau's website at |
| | www.consumerfinance.gov/learnmore. |
------------------------------------------------------------------------------

CONTINUED ON NEXT PAGE

 Notice to Home Loan Applicant

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

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

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

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

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

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

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

TransUnion Consumer Relations

PO Box 1000
Chester, PA 19016-1000
(800) 916-8800
www.transunion.com/myoptions

H3-
2.4.8.0