CONSUMER EXPLANATION LETTER - · PDF fileCONSUMER EXPLANATION LETTER FILE #: 1831280 CREDIT REPORT PROVIDED BY: ... * A credit inquiry indicates that a credit grantor has obtained

Explanation Letter - ADVANTAGE CREDIT ONLINE

https://credit.advcredit.com/...losure=F&body_url=%2Fshared%2Freports%2FDerogLetter_htm.aspx%3Forderid%3D1831280[7/22/2013 6:46:10 AM]

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CONSUMER EXPLANATION LETTER

FILE #: 1831280 CREDIT REPORT PROVIDED BY:REFERENCE #: TESTCASE DAVID ADVANTAGE CREDITAPPLICANT: TESTCASE, SUSIE 32065 CASTLE COURT SUITE 300CO-APPLICANT: EVERGREEN, CO 80439ADDRESS: 504 N GRANDVIEW STREET VOICE: 303-670-7993

ANTHILL, MO 85488 FAX 303-670-8067

RE: CREDIT ACCOUNTS AND INQUIRIES

Dear Applicant,

A copy of your credit report has been provided to Evergreen Credit - Test Acct in association with your recent application.

A brief statement may be required by Evergreen Credit - Test Acct to explain credit accounts which indicate a past due credit history status, public recorditems, addresses, and/or credit inquiries*. Please write your explanation below. If additional space is required, use the reverse side of this letter. Pleasemail or deliver this form to Evergreen Credit - Test Acct promptly. If you are unsure of the explanation(s) required, please contact Evergreen Credit - TestAcct.

IT IS VERY IMPORTANT that you respond to Evergreen Credit - Test Acct IN WRITING as soon as possible regarding any items listed below. Please DONOT send your response to ADVANTAGE CREDIT.

Please return this letter to: Evergreen Credit - Test Acct32065 CASTLE COURTEVERGREEN, CO 80439Phone: 3036707993

* A credit inquiry indicates that a credit grantor has obtained a copy of your credit report. Please indicate if you have applied for credit with the noted firm, ifyou currently have an account, if credit was denied with the noted firm, or if the inquiry was for employment report.

Your credit information has been provided by the following organizations. If you so desire, you can contact us or them to dispute items on your credit report:

TRANSUNION EXPERIAN EQUIFAXPO BOX 1000 PO BOX 2002 PO BOX 740241CHESTER, PA 19022 ALLEN, TX 75013 ATLANTA, GA 30374800-888-4213 888-397-3742 800-685-1111transunion.com/myoptions www.experian.com www.equifax.com/fcra

The credit bureau or credit agency plays no part in the decision to take any action on your application request, and is unable to provide you with specificreasons for the decision on an application.

U.S. Criminal Code, Section 1010, Title 18, U.S.C., "Department of Housing and Urban Development and Federal Housing Administration transactions",Provides in part: "Whoever, for the purpose of . . . influencing in any way the action of such Department . . . makes, passes, utters, or publishes anystatement, knowing the same to be false . . . shall be fined not more than $5,000 or imprisoned not more than two years or both."

Uncheck to remove section DEROGATORY ACCOUNTS

001

ECOA / WHOSEB / B CAP ONE BK

ACCT TYPEREV

REPORTED09/12

HI CREDIT$398

PAYMENT$21

301

600

90+0

CUR WAS 30



ACCT000023SOURCEXP /TU/EF

TERMMIN

OPENED09/07

BALANCE$107

PAST DUE$0 - - -

MO REV61

LAST LATE10/08

DLA08/12

EXPLANATION:

OUTCOME:

002

ECOA / WHOSEB / B CHASE MANHATTAN MORT

ACCT000024

ACCT TYPEMTG

REPORTED05/10

HI CREDIT$30000

PAYMENT$0

301

600

90+0

PD WAS 30

SOURCEXP /TU/EF

TERM360

OPENED09/07

BALANCE$0

PAST DUE$0 04/09 - -

MO REV29

LAST LATE04/09

DLA05/10

CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY FIRST

EXPLANATION:

OUTCOME:

003

ECOA / WHOSEB / B GLELSI/CITIBANK N A

ACCT000011

ACCT TYPEEDU

REPORTED02/07

HI CREDIT$10939

PAYMENT$0

300

600

90+1

PD WAS 90

SOURCEXP /TU/EF

TERMUNK

OPENED08/00

BALANCE$0

PAST DUE$0 - - 09/06

MO REV1

LAST LATE09/06

DLA07/05

EXPLANATION:

OUTCOME:

004

ECOA / WHOSEB / B SM SERVICING

ACCT000004

ACCT TYPEEDU

REPORTED04/06

HI CREDIT$2000

PAYMENT$0

300

600

90+1

PD WAS 90

SOURCETU

TERM-

OPENED03/95

BALANCE$0

PAST DUE$0 - - 12/05

MO REV04

LAST LATE12/05

DLA01/06

TRANSFERRED TO ANOTHER LENDER; COLLATERAL: DEFERRED PMT

EXPLANATION:

OUTCOME:

005

ECOA / WHOSEB / B STUDENT LOAN MKT ASS

ACCT000005

ACCT TYPEEDU

REPORTED04/06

HI CREDIT$1000

PAYMENT$0

300

600

90+1

PD WAS 90

SOURCEXP /TU

TERMUNK

OPENED03/95

BALANCE$0

PAST DUE$0 - - 12/05

MO REV37

LAST LATE12/05

DLA01/06

TRANSFERRED TO ANOTHER LENDER

EXPLANATION:

OUTCOME:

006

ECOA / WHOSEB / B STUDENT LOAN MKT ASS

ACCT000009

ACCT TYPEEDU

REPORTED04/06

HI CREDIT$3682

PAYMENT$0

300

600

90+1

PD WAS 90

SOURCEXP /TU

TERMUNK

OPENED09/97

BALANCE$0

PAST DUE$0 - - 12/05

MO REV37

LAST LATE12/05

DLA01/06

TRANSFERRED TO ANOTHER LENDER

EXPLANATION:



OUTCOME:

007

ECOA / WHOSEB / B BK SUN PR

ACCT000006

ACCT TYPEOTHE

REPORTED12/06

HI CREDIT-

PAYMENT-

30-

60-

90+-

BANKRUPTCY

SOURCEEF

TERM-

OPENED05/96

BALANCE-

PAST DUE- - - -

MO REV-

LAST LATE--/--

DLA07/06

EXPLANATION:

OUTCOME:

008

ECOA / WHOSEB / B

CITI AUTO ACCT000019

ACCT TYPEAUTO

REPORTED08/09

HI CREDIT$8379

PAYMENT-

304

601

90+1

CHARGE OFF

SOURCEXP /TU/EF

TERM036

OPENED03/06

BALANCE-

PAST DUE-

05/0904/0903/0902/09

06/09 07/09MO REV

27LAST LATE

07/09DLA

07/09

SECURED LOAN

EXPLANATION:

OUTCOME:

009

ECOA / WHOSEB / B FHUTCREDADV

ACCT000018

ACCT TYPEREV

REPORTED12/10

HI CREDIT$541

PAYMENT-

30-

60-

90+-

BANKRUPTCY

SOURCEXP/TU/EF

TERM-

OPENED01/06

BALANCE-

PAST DUE- - - -

MO REV-

LAST LATE--/--

DLA07/06

INCLUDED IN BANKRUPTCY

EXPLANATION:

OUTCOME:

Uncheck to remove section PUBLIC RECORDS

001

ECOA / WHOSEB / B JACKSONVLE

Docket #: P000001

FILE DATE12/06

AMOUNT$0

STATUS DATE05/07 DISCHARGED

SOURCEXP/TU/EF

PLAINTIFF-

ACTION TYPECHAPTER 7 BANKRUPTCY

*** P

EXPLANATION:

OUTCOME:

Uncheck to remove section ADDRESSES

Address Time Frame Source

001. 102 W WILDWOOD ST, ANTHILL, MO 65488 02/05 - 09/07 XP/TU/EF-B

Explanation:

002. 504 N GRANDVIEW ST 2, ANTHILL, MO 65488 09/07 - 09/07 TU/EF-B



Explanation:

003. 504 N GRANDVIEW ST, ANTHILL, MO 65488 09/07 - 05/12 XP-B

Explanation:

004. 504 N GRANDVIEW ST, ANTHILL, MO 85488 CURRENT User Supplied-B

Explanation:

005. 9280 ADELPHI RD 103, ANTHILL, MO 65488 TU/EF-B

Explanation:

006. 9280 ADELPHI RD, ANTHILL, MO 65488 08/96 - 04/10 XP-B

Explanation:

Uncheck to remove section INQUIRIES (LAST 120 DAYS)

Inquiries Date Reported Source New CreditOpened?

001. NCO FINANCIAL SYSTEMS 08/30/12 XP-B

Explanation:

002. NCO CREDIT S 08/30/12 TU-B

Explanation:

003. CB NPR FL 08/30/12 EF-B

Explanation:

004. NCO GROUP 08/30/12 EF-B

Explanation:

005. LANDAM CR SV 08/28/12 TU-B

Explanation:

006. INFO1-GA 08/28/12 EF-B

Explanation:

007. CDS 06/28/12 TU/EF-B

Explanation:



Uncheck to remove section NAME VARIATION

APPLICANTName Source Explanation

001. CASE,DAVID,TEST TU

002. DAVID C CASE XP

003. DAVID C TESTCASE XP/TU/EF

004. DAVID C TESTCASECASE EF

005. DAVID CURRAN TESTCASE EF

006. DAVID E TESTCASE XP

007. DAVID TEST CASE XP

008. DAVID TESTCASE CASE EF

009. DAVID TESTCASE TESTCASE EF

*** END OF REPORT 7/22/2013 5:46:30 AM ***

Borrower Signature ________________________________ Date ______________________

** REMIT ALL CORRESPONDENCE TO: Evergreen Credit - Test Acct32065 CASTLE COURTEVERGREEN, CO 80439

Documents

CONSUMER EXPLANATION LETTER - · PDF fileCONSUMER EXPLANATION LETTER FILE #: 1831280 CREDIT REPORT PROVIDED BY: ... * A credit inquiry indicates that a credit grantor has obtained