____ _ _ | _ \ _____ _| |__ (_)_ __ | | | |/ _ \ \/ / '_ \| | '_ \ | |_| | (_) > <| |_) | | | | | |____/ \___/_/\_\_.__/|_|_| |_|
Title:CAO PETER V Pedophile Advanced Dox
Created:Nov 8th, 2022
Created by: SPYDIR [Rich]
Views: 1,795
Comments: 2
Username: Anonymous - (Login)
Please note that all posted information is publicly available and must follow our TOS.
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+:+ +:+:+ +:+ +:+ +:+ :+:+:+ +:+ +:+ +:+ +:+ +:+
+#+ +:+ +#+ +#++:++#: +#+ +:+ +#+ +#+ +:+ +#+ +#+
+#+ +#+ +#+ +#+ +#+ +#+#+# +#+ +#+ +#+ +#+
#+# #+# #+# #+# #+# #+#+# #+# #+# #+# #+#
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+:+ +:+ +:+ +:+ +:+ +:+ +:+ +:+ :+:+:+ +:+ +:+ +:+ +:+ +:+
+#++:++#++: +#+ +:+ +#+ +:+ +#++:++#++: +#+ +:+ +#+ +#+ +#++:++# +#+ +:+
+#+ +#+ +#+ +#+ +#+ +#+ +#+ +#+ +#+ +#+#+# +#+ +#+ +#+ +#+
#+# #+# #+# #+# #+#+#+# #+# #+# #+# #+#+# #+# #+# #+# #+# #+#
### ### ######### ### ### ### ### #### ######## ########## #########
::::::::: :::::::: ::: :::
:+: :+: :+: :+: :+: :+:
+:+ +:+ +:+ +:+ +:+ +:+
+#+ +:+ +#+ +:+ +#++:+
+#+ +#+ +#+ +#+ +#+ +#+
#+# #+# #+# #+# #+# #+#
######### ######## ### ###
+---------------------------------------------------------------+
| Introduction |
+---------------------------------------------------------------+
PERSON NAME: CAO, PETER V - Pedophile talking with V4M thinking we were 16 years of age.
Phone Logs: Gathering everything right now...
= The Most Advanced Dox I have ever done. =
= I have a lot more pedophiles with logs =
= If you would like some Predators to Expose Let me know =
=====================================================================================
=====================================================================================
=================================== CREDS ===========================================
===============================~#~ Mr. Noiz ~#~======================================
www.noizthagod.net | Instagram.com/NoizThaGod | Github.com/NoizThaGod | noizsmms.shop
=====================================================================================
=====================================================================================
PERSON NAME: CAO, PETER V
PERSON SSN : 456-85-9220
FIRST NAME : CAO
LAST NAME : PETER V
PERSON DOB : 08/17/84
PERSON ADRESS: 1818 AUGUSTA DR UNIT 29, HOUSTON, TX 77057
PERSON SCORE: 797
-------------------------------------------------------------------
APPLICANT:CAO, PETER V CO-APP:
SSN :456-85-9220 CO-SSN:
ADDRESS :1818 AUGUSTA DR UNIT 29, HOUSTON, TX 77057
-------------------------------------------------------------------
S O U R C E O F I N F O R M A T I O N
-------------------------------------------------------------------
1 - EXPERIAN
PETER V CAO 456859220 DOB: 08/17/84
PETE V CAO 456859220 DOB: N/A
V CAO PETER 456859220 DOB: N/A
456-85-9220
1818 AUGUSTA DR APT 29, HOUSTON, TX 77057-3111 12/12
- 07/14
8215 SCENIC SHORE CT, SUGAR LAND, TX 77478-4752 08/13
- 09/13
2525 AUGUSTA DR APT 1006, HOUSTON, TX 77057-4990
02/10 - 11/10
GOLDEN ISLAND// 03/03
GUIDEN ISLAND// 01/03
2 - TRANSUNION
PETER V CAO
DOB: 08/17/84
456-85-9220
1818 AUGUSTA DR #29, HOUSTON, TX 77057-3111 12/12
2525 AUGUSTA DR #1006, HOUSTON, TX 77057-4990 02/10
15414 TUTBURY CI, HOUSTON, TX 77044-4922 12/02
3 - EQUIFAX
PETE CAO DOB: 08/17/84
456-85-9220
1818 AUGUSTA DR APT 29, HOUSTON, TX 77057 12/12 -
04/19
15414 TUTBURY CIR, HOUSTON, TX 77044 12/02 - 08/13
8215 SCENIC SHORE CT, SUGAR LAND, TX 77478 04/14 -
06/14
-------------------------------------------------------------------
S C O R E M O D E L S
-------------------------------------------------------------------
PETE CAO - 456859220
EQUIFAX/FICO CLASSIC V5 FACTA 798
00008 - TOO MANY INQUIRIES LAST 12 MONTHS
00011 - AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
00032 - LACK OF RECENT INSTALLMENT LOAN INFORMATION
PETER V CAO - 456859220
TRANSUNION/FICO CLASSIC (04) 797
004 - LACK OF RECENT INSTALLMENT LOAN INFORMATION
008 - TOO MANY INQUIRIES LAST 12 MONTHS
014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
012 - LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
-------------------------------------------------------------------
APPLICANT:CAO, PETER V
SSN :456-85-9220
ADDRESS :1818 AUGUSTA DR UNIT 29, HOUSTON, TX 77057
-------------------------------------------------------------------
FA - INQUIRIES IMPACTED THE CREDIT SCORE
PETER V CAO - 456859220
EXPERIAN/FAIR, ISAAC (VER. 2) 804
12 - LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
08 - TOO MANY INQUIRIES LAST 12 MONTHS
01 - AMOUNT OWED ON ACCOUNTS IS TOO HIGH
-------------------------------------------------------------------
A L E R T
-------------------------------------------------------------------
PETER V CAO YOB: 1984
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED
-------------------------------------------------------------------
T U I D V I S I O N A L E R T
-------------------------------------------------------------------
CAO, PETER V 456-85-9220
REMARK: AVAILABLE AND CLEAR
-------------------------------------------------------------------
O P E N A C C O U N T S
-------------------------------------------------------------------
E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
-------------------------------------------------------------------
B B CHASE CARD MIN 04/19 $18000 AS AGREED
414720****** REV 07/13 $1162 69 0 0 0
03/19 $25 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;
B B AMEX MIN 03/19 $8500 AS AGREED
-34999******17333 REV 06/04 $144 94 0 0 0
03/19 $35 XP/TU/EF
03/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
B B DISCOVER FIN SVCS LLC 04/19 $8200 AS AGREED
601149****** REV 08/03 $0 99 0 0 0
12/14 $0 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
-------------------------------------------------------------------
APPLICANT:CAO, PETER V
SSN :456-85-9220
ADDRESS :1818 AUGUSTA DR UNIT 29, HOUSTON, TX 77057
-------------------------------------------------------------------
-------------------------------------------------------------------
C L O S E D A C C O U N T S
-------------------------------------------------------------------
E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
-------------------------------------------------------------------
B B CBNA 02/14 $1800 PAID
518752******6865 REV 06/04 $0 29 0 0 0
08/08 $0 XP/EF
09/11: -
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;
B B CHASE CARD 09/18 $6000 PAID
414720****** REV 08/10 $0 96 0 0 0
01/17 $0 XP/TU/EF
09/18:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;
A B CHASE CARD 07/10 $12000 PAID
426685****** REV 11/02 $0 92 0 0 0
06/06 $0 XP/EF
07/10:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; AUTHORIZED USER;
B B CHASE MTG 120 03/17 $50000 PAID
4651143542021 MTG 10/12 $0 50 0 0 0
01/17 $0 XP/TU/EF
03/17: -CCCCCCCCCCCCCCCCCCC-CCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST; FANNIE MAE ACCOUNT;
-------------------------------------------------------------------
D E R O G A T O R Y A C C O U N T S
-------------------------------------------------------------------
*** NO RECORD FOUND ***
-------------------------------------------------------------------
C O L L E C T I O N A C C O U N T S
-------------------------------------------------------------------
*** NO RECORD FOUND ***
-------------------------------------------------------------------
O T H E R C R E D I T H I S T O R Y
-------------------------------------------------------------------
*** NO RECORD FOUND ***
-------------------------------------------------------------------
APPLICANT:CAO, PETER V
SSN :456-85-9220
ADDRESS :1818 AUGUSTA DR UNIT 29, HOUSTON, TX 77057
-------------------------------------------------------------------
-------------------------------------------------------------------
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 ( L A S T 1 2 0 D A Y S )
-------------------------------------------------------------------
*** NO RECORD FOUND ***
-------------------------------------------------------------------
C R E D I T O R S
-------------------------------------------------------------------
- AMERICAN EXPRESS [EF] 800-528-4800
P.O. BOX 7871,FORT LAUDERDALE, FL 33329
- AMEX [XP/TU] 800-528-4800
TAPE - P O BOX 7871,FORT LAUDERDALE, FL 33329
- CHASE [XP/TU/EF] 800-955-9900
201 N WALNUT ST,WILMINGTON, DE 19801
- CHASE HOME FINANCE [XP] 800-548-7912
PO BOX 509011 10790 RANCHO BERNARDO RD,SAN DIEGO, CA 92150
- Credit Plus [TU/EF] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- DISCOVER FIN SVCS LLC [XP] 800-347-2683
PO BOX 15316,WILMINGTON, DE 19850
- DISCOVER FINANCIAL SERVI [TU] 800-347-2683
POB 15316,WILMINGTON, DE 19850
- DISCOVR CD [EF] 800-347-5342
PO BOX15316,WILMINGTON DE 19850
- SHELL/CITI [XP] 800-331-3703
,
-------------------------------------------------------------------
T R A D E S U M M A R Y
-------------------------------------------------------------------
# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 1 0 0 0 0
AUTO 0 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 1306 34700 60 0
OTHER 0 0 0 0 0
TOTAL 7 1306 34700 60 0
SECURED DEBT 0 HIGH CREDIT 34700
UNSECURED DEBT 1306 REV CREDIT UTILIZATION 4%
OLDEST TRADE 11/02 TOTAL DEBT/HIGH CREDIT 4%
-------------------------------------------------------------------
D E R O G A T O R Y S U M M A R Y
-------------------------------------------------------------------
-------------------------------------------------------------------
APPLICANT:CAO, PETER V
SSN :456-85-9220
ADDRESS :1818 AUGUSTA DR UNIT 29, HOUSTON, TX 77057
-------------------------------------------------------------------
CHARGE OFFS 0 30 DAYS 0 INQUIRIES 0
COLLECTIONS 0 60 DAYS 0 DISPUTES 0
BANKRUPTCY 0 90 DAYS 0
PUBLIC RECORDS 0 OTHER 0
-------------------------------------------------------------------
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: AV-2743F05
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 47819022 and password AV-2743F05 to view the
report. For any inquiries regarding this report or services
provided by CREDIT PLUS 2 please contact us at (800) 258-3488.
-------------------------------------------------------------------
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.
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
-------------------------------------------------------------------
T R E N D S U M M A R Y
-------------------------------------------------------------------
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 317 REPORT #: 47819022
1450 LAKE ROBBINS DR STE 360 REFERENCE #: 3170003388
THE WOODLANDS, TX 77380
2813677005
RETURN SERVICE REQUESTED
PETER V CAO
1818 AUGUSTA DR UNIT 29
HOUSTON, TX 77057
=================================================================
YOUR CREDIT SCORE - 804
Source: EXPERIAN Date: 04/11/19
Model: EXPERIAN/FAIR, ISAAC (VER. 2)
=================================================================
UNDERSTANDING YOUR CREDIT SCORE
-----------------------------------------------------------------
What you should know about credit scores:
-----------------------------------------------------------------
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.
-----------------------------------------------------------------
How we use your credit score:
-----------------------------------------------------------------
Your credit score can affect whether you can get a loan and how
much you will have to pay for that loan.
-----------------------------------------------------------------
The range of scores:
-----------------------------------------------------------------
Scores range from a low of 300 to a high of 850.
Generally, the higher your score, the more likely you are to be
offered better credit terms.
-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 82 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
* TOO MANY INQUIRIES LAST 12 MONTHS
* AMOUNT OWED ON ACCOUNTS IS TOO HIGH
=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
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
-----------------------------------------------------------------
How can you get more information?
-----------------------------------------------------------------
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.
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.
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 317 REPORT #: 47819022
1450 LAKE ROBBINS DR STE 360 REFERENCE #: 3170003388
THE WOODLANDS, TX 77380
2813677005
RETURN SERVICE REQUESTED
PETER V CAO
1818 AUGUSTA DR UNIT 29
HOUSTON, TX 77057
=================================================================
YOUR CREDIT SCORE - 797
Source: TRANS UNION Date: 04/11/19
Model: TRANSUNION/FICO CLASSIC (04)
=================================================================
UNDERSTANDING YOUR CREDIT SCORE
-----------------------------------------------------------------
What you should know about credit scores:
-----------------------------------------------------------------
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.
-----------------------------------------------------------------
How we use your credit score:
-----------------------------------------------------------------
Your credit score can affect whether you can get a loan and how
much you will have to pay for that loan.
-----------------------------------------------------------------
The range of scores:
-----------------------------------------------------------------
Scores range from a low of 309 to a high of 839.
Generally, the higher your score, the more likely you are to be
offered better credit terms.
-----------------------------------------------------------------
How your score compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 82 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* LACK OF RECENT INSTALLMENT LOAN INFORMATION
* TOO MANY INQUIRIES LAST 12 MONTHS
* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
* LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
* INQUIRIES IMPACTED THE CREDIT SCORE
=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
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
-----------------------------------------------------------------
How can you get more information?
-----------------------------------------------------------------
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.
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.
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
CORNERSTONE HOME LENDING INC - 317 REPORT #: 47819022
1450 LAKE ROBBINS DR STE 360 REFERENCE #: 3170003388
THE WOODLANDS, TX 77380
2813677005
RETURN SERVICE REQUESTED
PETER V CAO
1818 AUGUSTA DR UNIT 29
HOUSTON, TX 77057
=================================================================
YOUR CREDIT SCORE - 798
Source: EQUIFAX Date: 04/11/19
Model: EQUIFAX/FICO CLASSIC V5 FACTA
=================================================================
UNDERSTANDING YOUR CREDIT SCORE
-----------------------------------------------------------------
What you should know about credit scores:
-----------------------------------------------------------------
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.
-----------------------------------------------------------------
How we use your credit score:
-----------------------------------------------------------------
Your credit score can affect whether you can get a loan 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 compares to the scores of other consumers:
-----------------------------------------------------------------
Your credit score ranks higher than 81 percent of U.S. consumers.
-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* TOO MANY INQUIRIES LAST 12 MONTHS
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
* LACK OF RECENT INSTALLMENT LOAN INFORMATION
=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
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
-----------------------------------------------------------------
How can you get more information?
-----------------------------------------------------------------
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.
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.
CORNERSTONE HOME LENDING INC - 317
1450 LAKE ROBBINS DR STE 360
THE WOODLANDS, TX 77380
2813677005
NOTICE TO THE HOME LOAN APPLICANT
CREDIT SCORE INFORMATION DISCLOSURE
CAO, PETER V
1818 AUGUSTA DR UNIT 29
HOUSTON, TX 77057
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:
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
Applicant : CAO, PETER V
Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 798 Range: 334-818
Key Factors affecting the score:
- TOO MANY INQUIRIES LAST 12 MONTHS
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH
- LACK OF RECENT INSTALLMENT LOAN INFORMATION
Applicant : CAO, PETER V
Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 797 Range: 309-839
Key Factors affecting the score:
- LACK OF RECENT INSTALLMENT LOAN INFORMATION
- TOO MANY INQUIRIES LAST 12 MONTHS
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
- LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
- INQUIRIES IMPACTED THE CREDIT SCORE
Applicant : CAO, PETER V
Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 804 Range: 300-850
Key Factors affecting the score:
- LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
- TOO MANY INQUIRIES LAST 12 MONTHS
- AMOUNT OWED ON ACCOUNTS IS TOO HIGH
2 years ago