5498

PERSON NAME: PHILBRICK, ROBERT C
PERSON SSN : 153-48-767

FIRST NAME : PHILBRICK
LAST NAME : ROBERT C
PERSON DOB : 07/09/50
PERSON ADRESS: 7662 SE 22ND ST, MERCER ISLAND, WA 98040
PERSON SCORE: 800
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143300601 AUTO 08/12 $0 57 0 0 0
03/17 $0 XP/TU/EF
05/17:
---CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FIXED RATE;
J B CITI 06/09 $25000 PAID

400661******8162 REV 02/98 $0 78 0 0 0
04/09 $0 XP/TU/EF
06/09:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER;
J B KEY BANK 08/10 $5000 PAID

471772****** REV 06/98 $0 99 0 0 0
07/09 $0 XP/TU/EF
08/10:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-CCCCCCCCCCCCCCCCCCCCCCCCCCC-
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; CHECK CREDIT OR
LINE OF CREDIT;
J B PNC BANK 04/12 $300000 PAID

448929963016 MTG 04/02 $0 99 0 0 0
05/07 $- EF
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;
Page: 3/7
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APPLICANT:PHILBRICK, ROBERT C
SSN :533-48-3938
ADDRESS :7662 SE 22ND ST, MERCER ISLAND, WA 98040
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J B WELLS FARGO HM MORTGAG360 10/09 $750000 PAID
7080146616271 MTG 08/05 $0 50 0 0 0
09/09 $0 XP/TU/EF
10/09: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST;
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D E R O G A T O R Y A C C O U N T S
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*** NO RECORD FOUND ***
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C O L L E C T I O N A C C O U N T S
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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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P U B L I C R E C O R D S
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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/EF 01/04/19 CREDIT PLUS FINANCE
TU 01/04/19 CORNERSTONE HOME LEN MISC
XP/EF 10/11/18 CREDIT PLUS FINANCE
TU 10/11/18 CORNERSTONE HOME LEN MISC
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C R E D I T O R S
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- AMER HONDA [TU] 800-205-8235
2420 CAMINO RAMON SUITE # 350,SAN RAMON, CA 94583
- AMERICAN HONDA FINAN [EF] 999-999-9999
,
- AMERICAN HONDA FINANCE [XP] 310-783-2070
20800 MADRONA AVE,TORRANCE, CA 90503
- ASSOC/CITIBANK SD [EF] 800-925-8871
4550 NEW LINDEN HILL RD,WILMINGTON, DE 19808
- bank of america [XP] 800-759-6262
,
- BANK OF AMERICA [EF] 800-759-6262
400 CHRISTIANA RD,NEWARK, DE 19713
- CAPITAL 1 BK [TU] 800-955-7070
11013 W BROAD ST,GLEN ALLEN VA 23060
Page: 4/7
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SSN :533-48-3938
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- CAPITAL ONE auto [XP] 800-955-7070
PO BOX 85520,RICHMOND VA 23285
- CAPITAL ONE BANK USA N [EF] 800-955-7070
,
- CBNA [XP] BYMAILONLY
PO BOX 6497,SIOUX FALLS, SD 57117
- CITI [TU] 800-533-5600
CITI CREDIT BUREAU DISPUTE UNT PO BOX 6497,SIOUX FALLS, SD 571
- CORNERSTONE [TU] 866-861-2639
P O BOX 77404 ATTN CREDIT LOAN A,EWING, NJ 08628
- Credit Plus [TU/EF] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- CREDIT PLUS [XP] 410-742-9551
31550 WINTERPLACE PKWY,SALISBURY, MD 21804
- DSNB MACYS [TU] 800-956-6229
PO BOX 8218,MASON, OH 45040
- KEY BANK [XP] 800-539-2968
4910 TIEDMAN ROAD,BROOKLYN, OH 44144
- KEY BANK NW [TU] 800-539-2968
4910 TIEDEMAN ROAD CLIENT SERVICES OH,CLEVELAND, OH 44144
- KEYPACIFIC [EF] 800-539-2968
17 CORPORATE WOODS BLVD,ALBANY, NY 12211
- MACY'S/DSNB [EF] 866-593-2543
911 DUKE BLVD,MASON, OH 45040
- MASS EQUITY [XP] (508) 251-35
P O BOX 128,CHELMSFORD MA 01863
- MBNA AMERICA [TU] 800-421-2110
PO BOX 17054,WILMINGTON DE 19884
- MCYDSNB [XP] 800-956-6229
,
- NTL CITY [EF] 616-376-3650
P.O.BOX 500\K-A16-2J,PORTAGE, MI 49081
- WELLS FARGO HM MORTGAG [XP] 800-262-5294
7495 NEW HORIZON WAY,FREDERICK, MD 21703
- WELLSFARGO [EF] 800-262-5294
3476 STATEVIEW BLVD,FORT MILL SC 29715
- WFHM [MANUAL] 800-262-5294
,
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T R A D E S U M M A R Y
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Page: 5/7
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SSN :533-48-3938
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# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 3 661319 667000 3580 0
AUTO 1 0 0 0 0
EDUCATION 0 0 0 0 0
OTHER INSTALLM 0 0 0 0 0
OPEN 0 0 0 0 0
REVOLVING 6 9437 102500 137 0
OTHER 0 0 0 0 0
TOTAL 10 670756 769500 3717 0
SECURED DEBT 661319 HIGH CREDIT 769500

UNSECURED DEBT 9437 REV CREDIT UTILIZATION 9%
OLDEST TRADE 09/85 TOTAL DEBT/HIGH CREDIT 87%
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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 0 INQUIRIES 4
COLLECTIONS 0 60 DAYS 0 DISPUTES 0
BANKRUPTCY 0 90 DAYS 0
PUBLIC RECORDS 0 OTHER 0
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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
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Instant View Password: AV-A987F8
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 46527367 and password AV-A987F8 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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An asterisk (*) following the payment amount indicates the

repositories have no payment data and that the amount was
automatically calculated as a percentage of the account balance.
This is a report containing information supplied by the

repositories listed above. The merge process is automated and the
report may include some duplications and/or omissions. Inquiries
regarding any disputed items should be directed to the creditor
reporting the item, or to the appropriate repository service
center(s) listed below.
TRANS UNION EQUIFAX EXPERIAN

PO BOX 1000 PO BOX 740256 PO BOX 2002
CHESTER,PA 19016 ATLANTA,GA 30374 ALLEN,TX 75013
800-916-8800 800-685-1111 888-397-3742
transunion.com/myoptions www.experian.com/reportaccess
www.equifax.com/fcra
Page: 6/7
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SSN :533-48-3938
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T R E N D S U M M A R Y
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*** END OF REPORT 1/17/2019 2:57:47 PM ***

Page: 7/7
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 595 REPORT #: 46527367

600 UNIVERSITY ST STE 2828 REFERENCE #: 5950009378
SEATTLE, WA 98101
4259491076 EXT 40225
RETURN SERVICE REQUESTED
ROBERT C PHILBRICK
7662 SE 22ND ST
MERCER ISLAND, WA 98040
=================================================================
YOUR CREDIT SCORE - 789
Source: EXPERIAN Date: 01/11/19
Model: EXPERIAN/FAIR, ISAAC (VER. 2)
=================================================================
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.
Your credit report is a record of your credit history. It

includes information about whether you pay your bills on time and
how much you owe to creditors.
Your credit score can change, depending on how your credit

history changes.
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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 320 to a high of 844.
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 73 percent of U.S. consumers.
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Key factors that adversely affected your credit score:
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* TOO MANY INQUIRIES LAST 12 MONTHS
* TOO MANY ACCOUNTS WITH BALANCES
* PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL
REVOLVING ACCOUNTS
Page: 1/9
=================================================================
CHECKING YOUR CREDIT REPORT
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What if there are mistakes in your credit report?
-----------------------------------------------------------------
You have a right to dispute any inaccurate information in your
credit report. If you find mistakes on your credit report,
contact the consumer reporting agency.
It is a good idea to check your credit report to make sure the

information it contains is accurate.
-----------------------------------------------------------------
How can you obtain a copy of your credit report?
-----------------------------------------------------------------
Under federal law, you have the right to obtain a free copy of
your credit report from each of the nationwide consumer reporting
agencies once a year.
To order your free annual credit report:
* BY TELEPHONE: Call toll-free: 1-877-322-8228
* ON THE WEB: Visit www.annualcreditreport.com
* BY MAIL: Mail your completed Annual Credit Report Request Form

(which you can obtain from the Federal Trade Commission's web
site at
http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to:
Annual Credit Report Request Service

P.O. Box 105281
Atlanta, GA 30348-5281
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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: 2/9
NOTICE TO THE HOME LOAN APPLICANT
In connection with your application for a home loan, the lender

must disclose to you the score that a consumer reporting agency
distributed to users and the lender used in connection with your
home loan, and the key factors affecting your credit scores.
The credit score is a computer generated summary calculated at

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

it is very important that you review the credit-related
information that is being furnished to make sure it is accurate.
Credit records may vary from one company to another.
If you have questions about your credit score or the credit

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

the lender.
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-----------------
Signature
Date
Page: 3/9

SEATTLE, WA 98101
4259491076 EXT 40225
ROBERT C PHILBRICK
7662 SE 22ND ST
=================================================================
Source: TRANS UNION Date: 01/11/19
Model: TRANSUNION/FICO CLASSIC (04)
=================================================================
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your credit report.


history changes.
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* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* INQUIRIES IMPACTED THE CREDIT SCORE
Page: 4/9
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site at

P.O. Box 105281
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Page: 5/9





the lender.
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-----------------
Signature
Date
Page: 6/9

SEATTLE, WA 98101
4259491076 EXT 40225
ROBERT C PHILBRICK
7662 SE 22ND ST
=================================================================
Source: EQUIFAX Date: 01/11/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA
=================================================================
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your credit report.


history changes.
-----------------------------------------------------------------
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* TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
Page: 7/9
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site at

P.O. Box 105281
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Page: 8/9





the lender.
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-----------------
Signature
Date
Page: 9/9
CORNERSTONE HOME LENDING INC - 595
600 UNIVERSITY ST STE 2828
SEATTLE, WA 98101
4259491076 EXT 40225

CREDIT SCORE INFORMATION DISCLOSURE
PHILBRICK, ROBERT C
7662 SE 22ND ST

The credit score is a computer generated summary calculated at the

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

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

reporting agency at the address and telephone number provided with
this notice, or contact the lender, if the lender developed or
generated the credit score. The consumer reporting agency plays no
part in the decision to take any action on the loan application and
is unable to provide you with specific reasons for the decision on
a loan application.
If you have questions regarding the terms of the loan, contact the
lender.
Your credit scores were provided by the following credit reporting

agencies:
TRANSUNION EQUIFAX EXPERIAN

PO BOX 2000 PO BOX 740241 PO BOX 2002
CHESTER, PA 19016 ATLANTA, GA 30374 ALLEN, TX 75013
800-916-8800 800-685-1111 888-397-3742
transunion.com/myoptions www.experian.com/reportaccess
www.equifax.com/fcra
The following information about your credit scores was created on
Page: 1/2
1/11/2019.
Applicant : PHILBRICK, ROBERT C

Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 783 Range: 334-818
Key Factors affecting the score:
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- TOO MANY INQUIRIES LAST 12 MONTHS
- TOO MANY ACCOUNTS WITH BALANCES
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH

Name of Score: TRANSUNION/FICO CLASSIC (04)
- TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
- INQUIRIES IMPACTED THE CREDIT SCORE

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
- PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR
ALL REVOLVING ACCOUNTS
Borrower Signature _________________________________________ Date

__________
Page: 2/2

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PERSON NAME: PHILBRICK, ROBERT C

PERSON SSN : 153-48-767

J B CITI 06/09 $25000 PAID

J B KEY BANK 08/10 $5000 PAID

J B PNC BANK 04/12 $300000 PAID

SECURED DEBT 661319 HIGH CREDIT 769500

An asterisk (*) following the payment amount indicates the

This is a report containing information supplied by the

TRANS UNION EQUIFAX EXPERIAN

*** END OF REPORT 1/17/2019 2:57:47 PM ***

CORNERSTONE HOME LENDING INC - 595 REPORT #: 46527367

RETURN SERVICE REQUESTED

Your credit report is a record of your credit history. It

Your credit score can change, depending on how your credit

It is a good idea to check your credit report to make sure the

To order your free annual credit report:

* BY TELEPHONE: Call toll-free: 1-877-322-8228

* ON THE WEB: Visit www.annualcreditreport.com

* BY MAIL: Mail your completed Annual Credit Report Request Form

Annual Credit Report Request Service

In connection with your application for a home loan, the lender

The credit score is a computer generated summary calculated at

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

If you have questions about your credit score or the credit

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

CORNERSTONE HOME LENDING INC - 595 REPORT #: 46527367

RETURN SERVICE REQUESTED

Your credit report is a record of your credit history. It

Your credit score can change, depending on how your credit

It is a good idea to check your credit report to make sure the

To order your free annual credit report:

* BY TELEPHONE: Call toll-free: 1-877-322-8228

* ON THE WEB: Visit www.annualcreditreport.com

* BY MAIL: Mail your completed Annual Credit Report Request Form

Annual Credit Report Request Service

In connection with your application for a home loan, the lender

The credit score is a computer generated summary calculated at

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

If you have questions about your credit score or the credit

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

CORNERSTONE HOME LENDING INC - 595 REPORT #: 46527367

RETURN SERVICE REQUESTED

Your credit report is a record of your credit history. It

Your credit score can change, depending on how your credit

It is a good idea to check your credit report to make sure the

To order your free annual credit report:

* BY TELEPHONE: Call toll-free: 1-877-322-8228

* ON THE WEB: Visit www.annualcreditreport.com

* BY MAIL: Mail your completed Annual Credit Report Request Form

Annual Credit Report Request Service

In connection with your application for a home loan, the lender

The credit score is a computer generated summary calculated at

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

If you have questions about your credit score or the credit

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

NOTICE TO THE HOME LOAN APPLICANT

In connection with your application for a home loan, the lender

The credit score is a computer generated summary calculated at the

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

If you have questions about your credit score or the credit

* END OF REPORT 1/17/2019 2:57:47 PM *