Credit Score Disclosure Exception for Loans Secured by One to Four Units of Residential Real Property Bond Street Mortgage LLC Your Credit Score and the Price You Pay for Credit Borrower Name: Darren Orta atone Your credit score 723 ‘Source: EXPERIAN Date: 01/20/2021 kee What you should | Your credit score is a number that reflects the information in your credit report know about credit ‘scores 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 a consumer's credit history changes. How we use your | Your credit score can affect whether you can get a loan and how much you will have to pay credit score for that loan. ‘The range of Scores range from alow of 300 toahigh of 850 ‘scores Generally, the higher your score, the more likely you are to be offered better credit terms, How your scare | Your credit score ranks higher than 48 percent of U.S. consumers ‘compares to ‘scores of other consumers Key factors that | SERIOUS DELINQUENCYTIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWNPROPOR ‘ey factors TION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL REVOLVING ACCOUNTS adversely affected |To0 MANY INQUIRIES LAST 12 MONTHSN your credit score etion: Model H9 ot ~ 08Borrower Name: Darren Orta iecking Your Credit Report What if there are You have the right to dispute any inaccurate information in your credit report. I you mistakes in your find mistakes on your credit report, contact the consumer reporting agency. credit report? Itis @ good idea to check your credit report to make sure the information it contains is accurate. How can you obtain a | Under federal law, you have the right to obtain a free copy of your credit report from copy of yourcredit | each of the nationwide consumer reporting agencies once a year. report? 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. fc. cov/bep/conline/include/requestformfinal,pdt) to: ‘Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281 How can you get For more information about credit reports and your rights under Federal law, visit the more information? —_| Consumer Financial Protection Bureau's website at www.consumerfinance.govileamnmore. Score Dcosure etion: Model H9 2 ~ 08/2012 ~ Encompass900 Page 20f3Notice to the Home Loan Applicant Borrower Name: Darren Orta 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. Tne 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 pattems change, and how credit scoring technologies change. Because the score is based on information in your credit history, itis very important that you review the creditrelated information that is being furnished to make sure itis accurate. Credit records may vary from one company to another. If you have questions about your eredit 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 unabie to provide you with specific reasons for the decision on a loan application. I you have questions concerning the terms of the loan, contact the lender. Cre Score OiscosureExceton: Mode HS 8 ~082012 ~Enanmpass80" Page Se