MERGED INFILE CREDIT REPORT

FILE # 113600 FNMA #
PREPARED FOR TEST MORTGAGE - 480ABC
1234 AMERICA DRIVE
AMERICAN CITY, DC 21001
DATE COMPLETED 7/8/2002 RQD' BY CISCO CREDIT
DATE ORDERED 7/8/2002
REPOSITORIES XP/TU/EF PRPD' BY
PRICE LOAN TYPE
REF. # JHARRIS
PROPERTY ADDRESS
APPLICANT CO-APPLICANT
APPLICANT AMERICA, JOHN
SOC SEC # 123-45-6789 DOB
MARITAL STATUS MARRIED
CO-APPLICANT AMERICA, SALLY
SOC SEC # 987-65-4321 DOB
DEPENDENTS
CURRENT ADDRESS 1234 AMERICA DR, AMERICA CITY, DC 21001 LENGTH
PREVIOUS ADDRESS LENGTH
EMPLOYMENT
EMPLOYER
POSITION
SINCE
INCOME
VERIFIED BY
EMPLOYER
POSITION
SINCE
INCOME
VERIFIED BY
SCORE MODELS
EQUIFAX/BEACON '96 - JOHN AMERICA - 123456789
SCORE: 770

TRANSUNION/EMPIRICA 98 - JOHN AMERICA - 123456789
SCORE: 784

EXPERIAN/FAIR, ISAAC (VER. 2) - JOHN AMERICA - 123456789
SCORE: 834

EQUIFAX/BEACON '96 - SALLY AMERICA - 987654321
SCORE: 789

TRANSUNION/EMPIRICA 98 - SALLY AMERICA - 987654321
SCORE: 774

EXPERIAN/FAIR, ISAAC (VER. 2) - SALLY AMERICA - 987654321
SCORE: 810

HAWK ALERT
*** HAWK ALERT ***
AMERICA, JOHN
AVAILABLE AND CLEAR
*** HAWK ALERT ***
AMERICA, SALLY
AVAILABLE AND CLEAR
SAFE SCAN
*** SAFESCAN ALERT ***
SAFESCANNED: YOUR INQUIRY HAS GONE THROUGH OUR SAFESCAN DATA BASE.
SSN ISSUE DATE: 1966; STATE: OR.
*** SAFESCAN ALERT ***
SAFESCANNED: YOUR INQUIRY HAS GONE THROUGH OUR SAFESCAN DATA BASE.
SSN ISSUE DATE: 1971; STATE: OR.
TRADELINES
E
C
O
A
W
H
O
S
E
CREDITOR DATE
REPORTED
DATE OPENED HIGH CREDIT BALANCE PAST
DUE
MO
REV
30 60 90+ STATUS
DLA ACCT TYPE TERMS SOURCE
J J WASHINGTON MUTUAL FA
9085300668497
06/02 12/00
05/02
$156100
MTG
$154029
360 $1340
$0 05 0 0 0 AS AGREED
XP/TU/EF
CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY FIRST

J B DAIMLERCHRYS
1007045928
06/02 02/01
06/02
$10255
AUTO
$8500
72 $189
$0 16 0 0 0 AS AGREED
XP/TU/EF

J J DISCOVER FINANCIAL S
601100903751
06/02 10/89
06/02
$15500
REV
$1202
MIN $21
$0 30 0 0 0 AS AGREED
XP/TU

A C FUSA NA
06/02 04/95
06/02
$21500
REV
$941
$18
$0 47 0 0 0 AS AGREED
EF
CREDIT CARD.;

B J FIRST USA BANK N A
441712280727
07/00 04/95
--/--
$12500
REV
$0
$0
$0 13 0 0 0 CRCDLOST
XP

J J KEY BANK
30222900000767668
12/92 05/92
12/92
$8624
AUTO
$0
48 $0
$0 06 0 0 0 PAID
TU/EF

PUBLIC RECORDS
*** NONE ***
INQUIRIES (ONLY LAST 90 DAYS SHOWN)
*** NONE ***
TRADE SUMMARY
# BALANCE HIGH CREDIT PAYMENTS PAST DUE
MORTGAGE 1 154029 156100 1340 0
AUTO 2 8500 10255 189 0
EDUCATION 0 0 0 0 0
OTHER INSTALLMENT 0 0 0 0 0
OPEN 0 0 0 0 0
REVOLVING 3 2143 37000 39 0
OTHER 0 0 0 0 0
TOTAL 6 164672 203355 1568 0

SECURED DEBT OLDEST TRADELINE 10/89
UNSECURED DEBT DEBT/HIGH CREDIT 81%
DEROGATORY SUMMARY
CHARGE OFFS: 0 30 DAYS: 0 INQUIRIES: 0
COLLECTIONS: 0 60 DAYS: 0
BANKRUPTCY: 0 90 DAYS: 0
PUBLIC RECORDS: 0 OTHER:
CREDITORS
CHRYSLER FINANCIAL C ADDRESS NOT AVAILABLE, ATLANTA, GA 30309 800-801-2055
DISCOVER FINANCIAL S PO BOX15316ATT:CMS/PROD DEVELOP, WILMINGTON, DE 19850-5316
FST USA BK B 3 CHRISTIANA, WILMINGTON, DE 19801 302-594-4000
KEY BANK OF WASHINGT PO BOX 2145BK# 0100 COST CTR# 4522035, SEATTLE, WA 98111 206-684-6066
WASHINGTON MUTUAL FA PO BOX 1093, NORTHRIDGE, CA 91328 800-282-4840
DISCLAIMER

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.
EXPERIAN (XP) TRANS UNION (TU) EQUIFAX (EF)
P.O. Box 2104 P.O. Box 2000 P.O. Box 740256
Allen, TX 75013 Chester, PA 19022 Atlanta, GA 30374
888-397-3742 800-916-8800 800-685-1111
www.experian.com www.transunion.com www.equifax.com

*** END OF REPORT 5/12/2004 3:14:21 PM ***

ECOA KEY: B=BORROWER; C=CO-BORROWER; J=JOINT; U=UNDESIGNATED; A=AUTHORIZED USER; P=PARTICIPANT; S=CO-SIGNER
CISCO/CREDITFAX: 1245 W. GUADALUPE SUITE B-6 #272, MESA, AZ 85202 (P) (800) 804-0043 (F) (800) 569-5222