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Mortgage Credit Report BORROWER INFORMATION RED FLAG ALERTS SCORE

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Mortgage Credit Report BORROWER INFORMATION RED FLAG ALERTS SCORE Powered By Docstoc
					                                                                                                            Mortgage Credit Report
                                                                                                              Experian TransUnion Equifax



Account #:    7036-1-0                                                 Ordered By:      86 001              File #:      1346231
Prepared For: Gotmortgage.com                                          Date:            November 24, 2010   Reference:   --
              17220 Newhope St. 213                                                                         Loan Number: --
              Fountain Valley CA, 92708

                                                            BORROWER INFORMATION

   Borrower
  Current Address:



                                                                 RED FLAG ALERTS


              Alternative social: ALERT (see details)
                        OFAC: CLEAR


                                                                   SCORE MODELS



          -      EQUIFAX, No score see below

                 BEACON NOT AVAILABLE, NO RECENTLY REPORTED
                 ACCOUNT INFORMATION

       695 EXPERIAN, FICO v2
        040      Public record or collection filed
        020      Recent public record or collection
        014      Length of time accounts have been open
        008      Too many inquiries in the past 12 months

          -      TRANS UNION, No score see below

                 File not scored because subject does not have sufficient
                 credit




                                                                   TRADE SUMMARY

                                                                                                                               Lates
   Type                               Count             High Credit         Balance             Payment     Past Due
                                                                                                                          30 60 90
   Revolving                             3                $1,709                 $483              $45       $426          3    2      4
   Installment                           1                  $0                   $0                $0         $0           0    0      0
   Collection                            9                $2,783             $2,945              $2,945      $1,020        0    0      2
   TOTALS:                              13               $4,492             $3,428               $2,990     $1,446        3     2      6




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                                   Gotmortgage.com                                                                                         khalfani, jelanisimba
                                   17220 Newhope St. 213                                                                                                        File #: 1346231
                                   Fountain Valley CA, 92708                                                                                                    Reference #: --
                                                                                                                                                         Last Four SSN #: 9692

                                                                           TRADELINES
 WHOSE                                            TYPE          REPORTED          HI CREDIT        PAYMENT        30          60            90
           QUANTUM COLLECTIONS                                                                                                                            closed - collection
  B-I                                          Coll             Nov 10             $599               $0             0            0          0
           4723228294723
 SOURCE                                        TERM              OPENED           BALANCE          PAST DUE                                              MR       LAST LATE     DLA
                                                                                                                     -            -             -
 XP TU                                             1            May 09             $643             $643                                                  1           -             -
           Original Creditor: LAS VEGAS ATHLETIC CLUB
           Collection Department/Agency/Attorney
           Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's internal collection department
           Placed For Collection

 WHOSE                                       TYPE             REPORTED          HI CREDIT         PAYMENT        30           60            90
           SATURN SYSTEMS INC                                                                                                                            closed - collection
  B-I                                     Coll                May 08             $571               $0           0            0             0
           179221
 SOURCE                                   TERM                OPENED            BALANCE           PAST DUE                                               MR       LAST LATE     DLA
                                                                                                                 -            -             -
  XP                                          1               Mar 08             $571               $0                                                   1            -        Apr 08
           Original Creditor: AUTOMATIC RESPONSE TECH
           Collection Department/Agency/Attorney
           Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's internal collection department

 WHOSE                                                   TYPE       REPORTED          HI CREDIT        PAYMENT           30           60            90
           NEW MILL                                                                                                                                               collection
  B-I                                                    Rev.          Apr 09           $449             $20             2            1             2
           4767075020136237
 SOURCE                                                  TERM          OPENED          BALANCE        PAST DUE       12/08       03/09                       MR    LAST LATE     DLA
                                                                                                                           01/09
 TU EF                                                    -            Jun 06           $449             $426        09/08       02/09                    24        03/09      Mar 08
           Maximum Delinquency - 1/1/2009
           Bad debt; placed for collection
           Profit And Loss Writeoff
           Charged Off Account

 WHOSE                                                   TYPE       REPORTED          HI CREDIT        PAYMENT           30           60            90
           ZENITH ACQU                                                                                                                                            collection
  B-I                                                    Coll       Sep 07              $435               $0            0            0             0
           1002603946
 SOURCE                                                  TERM          OPENED          BALANCE        PAST DUE                                               MR    LAST LATE     DLA
                                                                                                                         -            -             -
 TU EF                                                    -         May 07              $435               $0                                                 0           -         -
           Original Creditor: 08 TOTAL VISA
           Collection account
           Placed For Collection

 WHOSE                                                   TYPE       REPORTED          HI CREDIT        PAYMENT           30           60            90
           QUANTUM COLL                                                                                                                                           collection
  B-I                                                    Coll          Oct 10           $348               $0            0            0             0
           4716185414716
 SOURCE                                                  TERM          OPENED          BALANCE        PAST DUE                                               MR    LAST LATE     DLA
                                                                                                                         -            -             -
  TU                                                      -         Aug 08              $392               $0                                                 0           -         -
           Original Creditor: 11 COX COMMUNICATIONS
           Collection account
           Account Information Disputed By Consumer

 WHOSE                                                   TYPE       REPORTED          HI CREDIT        PAYMENT           30           60            90
           CLARK COUNTY COLLECTIO                                                                                                                             closed - collection
  B-I                                                    Coll          Oct 10           $357               $0            0            0             0
           575002
 SOURCE                                                  TERM          OPENED          BALANCE        PAST DUE                                               MR    LAST LATE     DLA
                                                                                                                         -            -             -
XP TU EF                                                  1         Aug 09              $377             $377                                             11              -         -
           Original Creditor: ALL STORAGE AT SEVEN HILLS
           Collection Department/Agency/Attorney
           Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's internal collection department
           Placed For Collection

 WHOSE                                                   TYPE       REPORTED          HI CREDIT        PAYMENT           30           60            90
           CREDIT SRVCE                                                                                                                                           collection
  B-I                                                    Coll          Jul 10           $216               $0            0            0             0
           2074408
 SOURCE                                                  TERM          OPENED          BALANCE        PAST DUE                                               MR    LAST LATE     DLA
                                                                                                                         -            -             -
 TU EF                                                    -         Sep 09              $270               $0                                                 0           -         -
           Original Creditor: 04 12TH JUDICIAL SAGUACHE COUNTY
           Collection account
           Placed For Collection




                                                                                 2 of 5
                                    Gotmortgage.com                                                              khalfani, jelanisimba
                                    17220 Newhope St. 213                                                                        File #: 1346231
                                    Fountain Valley CA, 92708                                                                    Reference #: --
                                                                                                                          Last Four SSN #: 9692
 WHOSE                                             TYPE    REPORTED       HI CREDIT      PAYMENT     30     60     90
            RJM ACQ LLC                                                                                                         collection
  B-I                                              Coll    Oct 10          $168            $0        0      0       0
            19R600002707271
 SOURCE                                            TERM     OPENED        BALANCE        PAST DUE                          MR    LAST LATE    DLA
                                                                                                      -     -       -
  TU                                                -      Sep 07          $168            $0                               0        -         -
            Original Creditor: 08 WASHINGTON MUTUAL CHECKING ACC
            Collection account
            Placed For Collection

 WHOSE                                             TYPE    REPORTED       HI CREDIT      PAYMENT     30     60     90
            COLLECTION                                                                                                          collection
  B-I                                              Coll    Oct 10              $89         $0        0      0       0
            37375495
 SOURCE                                            TERM     OPENED        BALANCE        PAST DUE                          MR    LAST LATE    DLA
                                                                                                      -     -       -
  TU                                                -      Mar 10              $89         $0                               0        -         -
            Original Creditor: 06 PROGRESSIVE INSURANCE COMPANY
            Collection account
            Placed For Collection

 WHOSE                                             TYPE    REPORTED       HI CREDIT      PAYMENT     30     60     90
            FIRST PREMIER BANK                                                                                                  as agreed
  B-A                                             Rev.     Nov 10          $825           $25        0      0       0
            517800704204
 SOURCE                                            TERM     OPENED        BALANCE        PAST DUE                          MR    LAST LATE    DLA
                                                                                                      -     -       -
XP TU EF                                            -      Dec 01              $34         $0                              99        -       Nov 10

 WHOSE                                             TYPE    REPORTED       HI CREDIT      PAYMENT     30     60     90
            PLAINSCOMM                                                                                                          collection
  B-I                                             Rev.     Dec 06          $435            $0        1      1       2
            4317320060262880
 SOURCE                                            TERM     OPENED        BALANCE        PAST DUE                 11/06    MR    LAST LATE    DLA
                                                                                                    08/06 09/06
  EF                                                -      Mar 04              $0          $0                     10/06    33     11/06      Sep 04
            Maximum Delinquency - 9/1/2006
            Bad debt; placed for collection
            Transferred To Recovery
            Charged Off Account

 WHOSE
            VERIZON CA                             TYPE    REPORTED       HI CREDIT      PAYMENT     30     60     90      closed - paid charge
  B-I       4645                                   Inst    Nov 08              $0          $0        0      0       0               off
 SOURCE                                            TERM     OPENED        BALANCE        PAST DUE                          MR    LAST LATE    DLA
            Account Closed Date: Sep 05                                                               -     -       -
  TU                                                -      Sep 05              $0          $0                               0        -         -
            Utility Company
            Payment after charge off/collection

 WHOSE                                             TYPE    REPORTED       HI CREDIT      PAYMENT     30     60     90
            VERIZON CA                                                                                                          collection
  B-I                                              Coll    Nov 08              $0          $0        0      0       2
            4645
 SOURCE                                            TERM     OPENED        BALANCE        PAST DUE                          MR    LAST LATE    DLA
                                                                                                      -     -       -
  EF                                                -           -              $0          $0                              35        -       Mar 05
            Bad debt; placed for collection
            Collection Account

                                                            PUBLIC RECORDS
                                                            No public records on file.


                                                                      ALERTS



          OFAC: Clear.




                                                  RECENT INQUIRIES (LAST 120 DAYS)

                                          11/24/2010 - FDNG STE                 08/24/2010 - FIRST USA,NA
                                          10/25/2010 - DELTA MNGT               08/20/2010 - AMEX
                                          09/29/2010 - DISCOVER                 08/20/2010 - GEMB/GAP
                                          08/24/2010 - FIRST USA,NA             07/31/2010 - T-MOBILE




                                                                      3 of 5
                                 Gotmortgage.com                                                           khalfani, jelanisimba
                                 17220 Newhope St. 213                                                                          File #: 1346231
                                 Fountain Valley CA, 92708                                                                      Reference #: --
                                                                                                                         Last Four SSN #: 9692
                                                    DATA SOURCE INFORMATION

                                                         PERSONAL INFORMATION


Name                                                                                 SSN                       DOB                 Bureau
                                                                                                                                    XP
                                                                                                                                     XP
                                                                                                                                     XP
                                                                                                                                    TU
                                                                                                                                     TU
                                                                                                                                     TU
                                                                                                                                        EF
                                                                                                                                        EF
                                                                                                                                        EF
                                                                                                                                        EF


                                                          ADDRESS INFORMATION


Address                                                                                         Timeframe                          Bureau
    MR 6772 GREEN RIVER DR , HGHLNDS RANCH , CO 80130                                      from Oct 03 to Oct 03                     XP
    6969 W 90TH AVE #APT 234 , WESTMINSTER , CO 80021                                      from Oct 99 to Oct 06                     XP
    6772 GREEN RIVER DR #APT F , HIGHLANDS RANCH , CO 80130                                from Feb 01 to Feb 06                     XP
    217 SEAVIEW Street , MANHATTAN BEACH , CA 90266                                            until Feb 06                          TU
    17192 ELM Street #4 , HUNTINGTON BEACH , CA 92647                                                                                TU
    44686 CALLE HILARIO , TEMECULA , CA 92592                                                  until Mar 06                          TU
    HIGHLANDS RANCH , CO                                                                       until Nov 99                          TU
    2817 GLISTENING GROVE #AVE , HENDERSON , NV 89052                                           until Oct 10                         EF
    3624 CHELSEA GARDENS , LAS VEGAS , NV 89135                                                until Dec 09                          EF
    217 SEAVIEW #ST , MANHATTAN BEACH , CA 90266                                               until May 09                          EF


                                                        EMPLOYMENT INFORMATION

i
    Employer                                                     Occupation                Income              Reported            Bureau
    DEAN MOON INC                                                                                               Nov 07               XP
    EMPLOYEED                                                                                                   Nov 06               XP
    PALOMINO PARK                                                                                                                    TU
    KHALFANI & ASSOCIATES INC                                                                                                        TU
    INNOVATIVE PERSONAL TRAINING                                                                                                     EF
    THE FELD COMPANY                                               CLERK                                                             EF




                                                               CREDITORS

    Subscriber Name                                          Address                                   Phone                      Fax
    QUANTUM COLL                   3223 CIVIC CENTER PO BOX 4177 NORTH LAS VEGA,NV 89036            7026338000
    CREDIT SRVCE                                POB 1120 COLORADO SPRIN,CO 80903                    7196343766
    FIRST PREMIER BANK                   601 S MINNESOTA AVE SIOUX FALLS, SD 57104                  6053573440
    CLARK COUNTY COLLECTIO                 6124 W SAHARA AVE LAS VEGAS, NV 89146                    7028899229
    QUANTUM COLLECTIONS               3224 CIVIC CENTER DR NORTH LAS VEGAS, NV 89030                7026338000
    NEW MILL                                                                                        732-729-1100
    PLAINS COMMERCE BANK                                                                            8006735912
    VERIZON CA                                                                                      877-325-5156




                                                                   4 of 5
NOTICE TO THE HOME LOAN APPLICANT

Credit Score Disclosure




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 regarding the terms of the loan, contact the lender.

                                            Your credit scores were provided by the following credit reporting agencies:

                                  Trans Union                                Experian                   Equifax Credit Information Services
                                P.O. Box 2000                            P.O. Box 2002                           P.O. Box 740256
                               Chester, PA 19022                         Allen, TX 75013                        Atlanta, GA 30374
                                 800-916-8800                             888-397-3742                            800-685-1111
                              www.transunion.com                        www.experian.com                        www.equifax.com

The following information about your credit scores was created on: November 24, 2010

Applicant:

Name of Score: Equifax
Credit Score: No score see below

Name of Score: Experian
Credit Score: 695 Range: 300-850
Key Factors affecting the score:
-Public record or collection filed
-Recent public record or collection
-Length of time accounts have been open
-Too many inquiries in the past 12 months

Name of Score: Transunion
Credit Score: No score see below




Sign: ---------------------------------------------------------------------------------------

Date: 11/24/2010



                                                                                                END OF REPORT




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