CREDIT AGENCY: MCL BETA ID : 198496 REPOSITORIES : XP/TU/EF LOAN NUMBER: API DEMO PREPARED FOR : Customer in Testing ORDER DATE : 6/23/2016 1600 SUNFLOWER AVE REPORT DATE: 6/23/2016 COSTA MESA, CA 92626 RQD' BY : BILL JONES ------------------------------------------------------------------- APPLICANT:TESTCASE, MARISOL CO-APP: SSN :000-00-0001 CO-SSN: ADDRESS :220 LOCUST AVE, ANTHILL, MO 65488 ------------------------------------------------------------------- S C O R E M O D E L S ------------------------------------------------------------------- MARISOL LEMUS TESTCASE - 000000001 EQUIFAX/FICO CLASSIC V5 FACTA 743 00030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT 00014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED 00008 - TOO MANY INQUIRIES LAST 12 MONTHS 00012 - LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED MARISOL L TESTCASE - 000000001 TRANSUNION/FICO CLASSIC (98) 741 014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED 012 - LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED 008 - TOO MANY INQUIRIES LAST 12 MONTHS 030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT FA - INQUIRIES IMPACTED THE CREDIT SCORE MARISOL TESTCASE - 000000001 EXPERIAN/FAIR, ISAAC (VER. 2) 745 14 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED 08 - TOO MANY INQUIRIES LAST 12 MONTHS 09 - TOO MANY ACCOUNTS RECENTLY OPENED ------------------------------------------------------------------- T R A D E L I N E S ------------------------------------------------------------------- E W CREDITOR TERM REPORT HIGH STATUS ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90 ACTV PAYMENT SOURCE ------------------------------------------------------------------- B B USAA FEDERAL SAVINGS B069 05/16 $31206 AS AGREED ACCT000006 AUTO 09/15 $28626 9 0 0 0 11/15 $533 XP/TU/EF 05/16: CCCCCCCCC B B CHASE MIN 06/16 $4000 AS AGREED ACCT000002 REV 11/15 $228 7 0 0 0 06/16 $10 XP/TU/EF 06/16: CCCCCCC Page: 1/5 ------------------------------------------------------------------- APPLICANT:TESTCASE, MARISOL SSN :000-00-0001 ADDRESS :220 LOCUST AVE, ANTHILL, MO 65488 ------------------------------------------------------------------- B B CATO CORPORATION 12/14 $200 PAID ACCT000014 REV 06/12 $0 31 0 0 0 10/12 $0 XP/TU/EF 12/14: --------------------------CCC B B CITI 06/16 $1800 PAID ACCT000009 REV 09/11 $0 57 0 0 0 05/16 $0 XP/TU/EF 06/16: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-CCCCCCCCCCCCCCC REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; B B CITI 06/16 $2300 AS AGREED ACCT000004 REV 06/16 $0 1 0 0 0 --/-- $0 XP/TU/EF 06/16: C B B DISCOVER FIN SVS LLC 06/16 $7500 PAID ACCT000003 REV 07/13 $0 35 0 0 0 06/15 $0 XP/TU/EF 06/16: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; B B GEMB/JCP 06/16 $500 AS AGREED ACCT000007 REV 03/13 $0 39 0 0 0 11/14 $0 XP/TU/EF 06/16: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC B B GEMB/OLD NAVY 06/16 $1200 AS AGREED ACCT000008 REV 04/15 $0 15 0 0 0 11/15 $0 XP/TU/EF 06/16: CCCCCCCCCCCCCCC B B HSBC/MCRAE 06/16 $900 AS AGREED ACCT000010 REV 09/12 $0 35 0 0 0 02/16 $0 XP/TU/EF 06/16: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC B B MBNA AMERICA 06/16 $7500 AS AGREED ACCT000001 REV 06/16 $0 1 0 0 0 06/16 $0 XP/TU/EF 06/16: C Page: 2/5 ------------------------------------------------------------------- APPLICANT:TESTCASE, MARISOL SSN :000-00-0001 ADDRESS :220 LOCUST AVE, ANTHILL, MO 65488 ------------------------------------------------------------------- B B NBGL-MCRAES 07/13 $900 PAID ACCT000013 REV 09/12 $0 09 0 0 0 04/13 $0 XP/TU/EF 07/13: -CC-----CC REMARK: PURCHASED BY ANOTHER LENDER; B B TOYOTA MOTOR CREDIT 072 10/15 $30973 PAID ACCT000012 AUTO 09/15 $0 2 0 0 0 10/15 $0 XP/TU/EF 10/15: -C B B WFNNB/BEALLS 06/16 $1000 AS AGREED ACCT000011 REV 01/16 $0 6 0 0 0 01/16 $0 XP/TU/EF 06/16: CCCCCC B B GTE SOUTHWEST INC 001 05/16 - AS AGREED ACCT000005 INST 11/15 - 1 0 0 0 05/16 $- XP/TU/EF 05/16: C REMARK: UTILITY COMPANY; ------------------------------------------------------------------- I N Q U I R I E S ------------------------------------------------------------------- XP/EF 06/18/16 FISERV CREDSTAR FINANCE TU 06/18/16 CHASE CREDIT REAL ESTATE XP 06/12/16 MBNA BANKING TU 05/13/16 CITI BANKING XP 12/29/15 WFNNB/BEALLS CLOTHING TU 11/21/15 FIRST USA NA BANKING EF 10/31/15 ANDELER UTILITIES/FUEL EF 09/04/15 USAA BANKING TU 09/03/15 CARLOCK TOYO AUTOMOTIVE EF 09/03/15 CTUPELO AUTOMOTIVE EF 09/03/15 TOYOTA CRE FINANCE EF 07/18/15 CINGULR-MS UTILITIES/FUEL EF 07/14/15 CINGULR-MS UTILITIES/FUEL EF 05/23/15 FED GOVT GOVERNMENT EF 04/20/15 GEMB/OLDNY FINANCE ------------------------------------------------------------------- P U B L I C R E C O R D S ------------------------------------------------------------------- *** NO RECORD FOUND *** ------------------------------------------------------------------- T R A D E S U M M A R Y ------------------------------------------------------------------- Page: 3/5 ------------------------------------------------------------------- APPLICANT:TESTCASE, MARISOL SSN :000-00-0001 ADDRESS :220 LOCUST AVE, ANTHILL, MO 65488 ------------------------------------------------------------------- # BALANCE HIGH CREDIT PAYMENT PAST DUE MORTGAGE 0 0 0 0 0 AUTO 2 28626 31206 533 0 EDUCATION 0 0 0 0 0 OTHER INSTALLM 1 0 0 0 0 OPEN 0 0 0 0 0 REVOLVING 11 228 17400 10 0 OTHER 0 0 0 0 0 TOTAL 14 28854 48606 543 0 SECURED DEBT 28626 HIGH CREDIT 48606 UNSECURED DEBT 228 DEBT/HIGH CREDIT 59% OLDEST TRADE 09/11 ------------------------------------------------------------------- D E R O G A T O R Y S U M M A R Y ------------------------------------------------------------------- CHARGE OFFS 0 30 DAYS 0 INQUIRIES 15 COLLECTIONS 0 60 DAYS 0 DISPUTES 0 BANKRUPTCY 0 90 DAYS 0 PUBLIC RECORDS 0 OTHER 0 ------------------------------------------------------------------- A L E R T ------------------------------------------------------------------- MARISOL TESTCASE YOB: 1980 EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS OTHERWISE INDICATED ------------------------------------------------------------------- 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: CC-2523EC37 To verify the authenticity of this credit report, please visit http://beta.mortgagecreditlink.com and click on the Instant View link. Enter Identifier # 198496 and password CC-2523EC37 to view the report. For any inquiries regarding this report or services provided by MCL BETA please contact us at 714-708-6950. ------------------------------------------------------------------- S O U R C E O F I N F O R M A T I O N ------------------------------------------------------------------- 1 - EXPERIAN MARISOL TESTCASE 000000001 DOB: N/A LEMUS TESTCASE 000000001 DOB: N/A TESTCASE MARISOL 000000001 DOB: N/A 000-00-0001 220 LOCUST AVE, ANTHILL, MO 65488-0001 12/15 - 06/16 7144 S JAMACHA RD, ANTHILL, MO 65488 06/16 7144 S JAMOCHA RD, ANTHILL, MO 65488 10/11 - 01/16 US AIR FORCE// 10/15 2 - TRANSUNION MARISOL L TESTCASE TESTCASE,LEMUS,M Page: 4/5 ------------------------------------------------------------------- APPLICANT:TESTCASE, MARISOL SSN :000-00-0001 ADDRESS :220 LOCUST AVE, ANTHILL, MO 65488 ------------------------------------------------------------------- DOB: 05/27/80 000-00-0001 220 LOCUST AV, ANTHILL, MO 65488 03/16 7144 S JAMACHA RD, ANTHILL, MO 65488 02/16 FLETCHER MOTORCARS/CAR SALES/ 555-0102 - RESIDENCE 3 - EQUIFAX MARISOL LEMUS TESTCASE DOB: 05/27/80 LEMUS TESTCASE 000-00-0001 220 LOCUST AVE, ANTHILL, MO 65488-0001 12/15 7144 S JAMACHA RD, ANTHILL, MO 65488-0001 09/11 ------------------------------------------------------------------- C R E D I T O R S ------------------------------------------------------------------- *** NO RECORD FOUND *** ------------------------------------------------------------------- D I S C L A I M E R ------------------------------------------------------------------- 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. In the event this report reflects information that appears incorrect, you may contact MCL BETA(SM) at 714-708-6950 for dispute assistance and/or ID theft resolution services. 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 19022 ATLANTA,GA 30374 ALLEN,TX 75013 800-888-4213 800-685-1111 888-397-3742 transunion.com/myoptions www.experian.com/reportaccess www.equifax.com/fcra *** END OF REPORT 6/23/2016 11:56:37 AM *** Page: 5/5 CREDIT AGENCY: MCL BETA ID : 198496 REPOSITORIES : XP/TU/EF LOAN NUMBER: API DEMO PREPARED FOR : Customer in Testing ORDER DATE : 6/23/2016 1600 SUNFLOWER AVE REPORT DATE: 6/23/2016 COSTA MESA, CA 92626 RQD' BY : BILL JONES ------------------------------------------------------------------- APPLICANT:TESTCASE, MARISOL CO-APP: SSN : CO-SSN: ADDRESS :220 LOCUST AVE, ANTHILL, MO 65488 ------------------------------------------------------------------- S O U R C E O F I N F O R M A T I O N ------------------------------------------------------------------- 1 - EXPERIAN MARISOL TESTCASE 000000001 DOB: N/A LEMUS TESTCASE 000000001 DOB: N/A TESTCASE MARISOL 000000001 DOB: N/A 000-00-0001 220 LOCUST AVE, ANTHILL, MO 65488-0001 12/15 - 06/16 7144 S JAMACHA RD, ANTHILL, MO 65488 06/16 7144 S JAMOCHA RD, ANTHILL, MO 65488 10/11 - 01/16 US AIR FORCE// 10/15 2 - TRANSUNION MARISOL L TESTCASE TESTCASE,LEMUS,M DOB: 05/27/80 000-00-0001 220 LOCUST AV, ANTHILL, MO 65488 03/16 7144 S JAMACHA RD, ANTHILL, MO 65488 02/16 FLETCHER MOTORCARS/CAR SALES/ 555-0102 - RESIDENCE 3 - EQUIFAX MARISOL LEMUS TESTCASE DOB: 05/27/80 LEMUS TESTCASE 000-00-0001 220 LOCUST AVE, ANTHILL, MO 65488-0001 12/15 7144 S JAMACHA RD, ANTHILL, MO 65488-0001 09/11 ------------------------------------------------------------------- T R A D E L I N E S ------------------------------------------------------------------- E W CREDITOR TERM REPORT HIGH STATUS ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90 ACTV PAYMENT SOURCE ------------------------------------------------------------------- B B USAA FEDERAL SAVINGS B069 05/16 $31206 AS AGREED ACCT000006 AUTO 09/15 $28626 9 0 0 0 11/15 $533 XP/TU/EF 05/16: CCCCCCCCC B B CHASE MIN 06/16 $4000 AS AGREED ACCT00**** REV 11/15 $228 7 0 0 0 06/16 $10 XP/TU/EF 06/16: CCCCCCC Page: 1/3 ------------------------------------------------------------------- APPLICANT:TESTCASE, MARISOL SSN : ADDRESS :220 LOCUST AVE, ANTHILL, MO 65488 ------------------------------------------------------------------- B B CATO CORPORATION 12/14 $200 PAID ACCT00**** REV 06/12 $0 31 0 0 0 10/12 $0 XP/TU/EF 12/14: --------------------------CCC B B CITI 06/16 $1800 PAID ACCT00**** REV 09/11 $0 57 0 0 0 05/16 $0 XP/TU/EF 06/16: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC-CCCCCCCCCCCCCCC REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; B B CITI 06/16 $2300 AS AGREED ACCT00**** REV 06/16 $0 1 0 0 0 --/-- $0 XP/TU/EF 06/16: C B B DISCOVER FIN SVS LLC 06/16 $7500 PAID ACCT00**** REV 07/13 $0 35 0 0 0 06/15 $0 XP/TU/EF 06/16: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; B B GEMB/JCP 06/16 $500 AS AGREED ACCT00**** REV 03/13 $0 39 0 0 0 11/14 $0 XP/TU/EF 06/16: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC B B GEMB/OLD NAVY 06/16 $1200 AS AGREED ACCT00**** REV 04/15 $0 15 0 0 0 11/15 $0 XP/TU/EF 06/16: CCCCCCCCCCCCCCC B B HSBC/MCRAE 06/16 $900 AS AGREED ACCT00**** REV 09/12 $0 35 0 0 0 02/16 $0 XP/TU/EF 06/16: CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC B B MBNA AMERICA 06/16 $7500 AS AGREED ACCT00**** REV 06/16 $0 1 0 0 0 06/16 $0 XP/TU/EF 06/16: C Page: 2/3 ------------------------------------------------------------------- APPLICANT:TESTCASE, MARISOL SSN : ADDRESS :220 LOCUST AVE, ANTHILL, MO 65488 ------------------------------------------------------------------- B B NBGL-MCRAES 07/13 $900 PAID ACCT00**** REV 09/12 $0 09 0 0 0 04/13 $0 XP/TU/EF 07/13: -CC-----CC REMARK: PURCHASED BY ANOTHER LENDER; B B TOYOTA MOTOR CREDIT 072 10/15 $30973 PAID ACCT000012 AUTO 09/15 $0 2 0 0 0 10/15 $0 XP/TU/EF 10/15: -C B B WFNNB/BEALLS 06/16 $1000 AS AGREED ACCT00**** REV 01/16 $0 6 0 0 0 01/16 $0 XP/TU/EF 06/16: CCCCCC B B GTE SOUTHWEST INC 001 05/16 - AS AGREED ACCT000005 INST 11/15 - 1 0 0 0 05/16 $- XP/TU/EF 05/16: C REMARK: UTILITY COMPANY; ------------------------------------------------------------------- P U B L I C R E C O R D S ------------------------------------------------------------------- *** NO RECORD FOUND *** ------------------------------------------------------------------- I N Q U I R I E S ------------------------------------------------------------------- XP/EF 06/18/16 FISERV CREDSTAR FINANCE TU 06/18/16 CHASE CREDIT REAL ESTATE XP 06/12/16 MBNA BANKING TU 05/13/16 CITI BANKING XP 12/29/15 WFNNB/BEALLS CLOTHING TU 11/21/15 FIRST USA NA BANKING EF 10/31/15 ANDELER UTILITIES/FUEL EF 09/04/15 USAA BANKING TU 09/03/15 CARLOCK TOYO AUTOMOTIVE EF 09/03/15 CTUPELO AUTOMOTIVE EF 09/03/15 TOYOTA CRE FINANCE EF 07/18/15 CINGULR-MS UTILITIES/FUEL EF 07/14/15 CINGULR-MS UTILITIES/FUEL EF 05/23/15 FED GOVT GOVERNMENT EF 04/20/15 GEMB/OLDNY FINANCE *** END OF REPORT 6/23/2016 11:56:38 AM *** Page: 3/3