17345
17345
17345
Factual Data
Bureau Express Report
THIS IS A MERGED INFILE
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CREDIT SCORE INFORMATION
UNSECURED; UNSECURED
DISCOVER PERSONAL LO 04/19 --- IND $0 PAST DUE
500005516972 04/19 06/18 12000 10380 I1 11 0 0 0 60X $249
RA11 UA11 QA11
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CONTINUED ON NEXT PAGE
QUINTANILLA, PATSY P 449-21-7874
DATE: 05/19/2019 PAGE 3 OF 14
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CREDIT INFORMATION
UNSECURED; UNSECURED
NASA FEDERAL CREDIT UN 04/19 --- IND $0 PAST DUE
3748330202 04/19 12/16 9000 6147 I1 29 0 0 0 72X $158
RA11 UA11 QA11
_____________________________________________________________________
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CREDIT INFORMATION
_______________________________________________________________________________
CREDIT INFORMATION
_______________________________________________________________________________
CREDIT INFORMATION
_______________________________________________________________________________
CREDIT INFORMATION
_______________________________________________________________________________
CREDIT INFORMATION
_______________________________________________________________________________
CREDIT INFORMATION
_______________________________________________________________________________
CREDIT INFORMATION
AMEX (800)874-2717
PO BOX 297871, FORT LAUDERDALE, FL 33329
CITI/CBNA
701 E 60TH ST N, SIOUX FALLS, SD 57104
COMENITY BANK/BEALLS
PO BOX 182789, COLUMBUS, OH 43218
COMENITYBANK/VICTORIA
PO BOX 182789, COLUMBUS, OH 43218
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CREDITOR INFORMATION
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CREDITOR INFORMATION
SYNCB/TJX CO (877)890-3150
PO BOX 965015, ORLANDO, FL 32896
SYNCB/WALMART (877)294-7880
PO BOX 965024, ORLANDO, FL 32896
THD/CBNA
PO BOX 6497, SIOUX FALLS, SD 57117
US BANK
4325 17TH AVE S, FARGO, ND 58125
WEBBANK/DFS (800)283-2210
1 DELL WAY, ROUND ROCK, TX 78682
WEBBANK/DFS (800)283-2210
1 DELL WAY, ROUND ROCK, TX 78682
WF/DILLARDS (877)302-6157
PO BOX 14517, DES MOINES, IA 50306
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OFAC
_______________________________________________________________________________
MISCELLANEOUS INFORMATION
_______________________________________________________________________________
REPOSITORY EMPLOYMENT INFORMATION
_______________________________________________________________________________
SUMMARY INFORMATION
_______________________________________________________________________________
SUMMARY INFORMATION
01846F9523F80
END OF REPORT
Your Credit Score and the Price You Pay for Credit
--------------------------------
RETURN SERVICE REQUESTED
Patsy P Quintanilla
342 Las Puertas
San Antonio, TX 78245
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| Your Credit Score |
|----------------------------------------------------------------------------|
| Your Credit | 807 |
| Score | Source: Equifax Consumer Relations 5/19/2019 |
| | |
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| 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 [ 90 ] percent of |
| consumers | U.S. Consumers |
| | |
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| Understanding Your Credit Score |
|----------------------------------------------------------------------------|
| Key factors that| Equifax |
| adversely | 30 TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT |
| affected your | 11 AMOUNT OWED ON REVOLVING ACCOUNT IS TOO HIGH |
| credit score | 08 TOO MANY INQUIRIES LAST 12 MONTHS |
| | 05 TOO MANY ACCOUNTS WITH BALANCES |
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CONTINUED ON NEXT PAGE
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| 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. |
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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.
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.
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