PERSON NAME: ELLZEY, DENNIS R

PERSON SSN : 869-52-0632

FIRST NAME : ELLZEY
LAST NAME : DENNIS R
PERSON DOB : 03/28/52
PERSON ADRESS: 8016 LOUDEN CIRCLE CT, FORT COLLINS, CO 80528
PERSON SCORE: 822
-------------------------------------------------------------------
DENNIS R ELLZEY YOB: 1952
EXPERIAN OFAC NAME MATCHING SERVICE: NO MATCH FOUND UNLESS
OTHERWISE INDICATED
JUDY A ELLZEY YOB: 1952
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
-------------------------------------------------------------------
ELLZEY, DENNIS R 509-52-0674
REMARK: AVAILABLE AND CLEAR

ELLZEY, JUDY A 366-60-7097

REMARK: AVAILABLE AND CLEAR

-------------------------------------------------------------------
A C C O U N T S W I T H B A L A N C E
-------------------------------------------------------------------
E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
-------------------------------------------------------------------
J J WELLS FARGO BANK N A 037 06/19 $375000 AS AGREED
11711710269760001 INST 05/17 $356300 26 0 0 0
06/19 $1361 XP/TU/EF
06/19: CCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: NOTE LOAN;

C C MACYS/DSNB MIN 06/19 $1800 AS AGREED

603534******8873 REV 08/12 $53 83 0 0 0
06/19 $28 XP/TU/EF
06/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC--C-CCCCCCCCCCCCCCCCC

-------------------------------------------------------------------
A C C O U N T S W I T H N O B A L A N C E
-------------------------------------------------------------------
E W CREDITOR TERM REPORT HIGH STATUS
ACCOUNT NUMBER TYPE OPEN BALANCE MR 30 60 90
ACTV PAYMENT SOURCE
-------------------------------------------------------------------
Page: 3/10
-------------------------------------------------------------------
APPLICANT:ELLZEY, DENNIS R
SSN :509-52-0674
ADDRESS :8016 LOUDEN CIRCLE CT, FORT COLLINS, CO 80528
-------------------------------------------------------------------
J J WELLS FARGO BANK N A 10/12 $350000 PAID
752752******50001 REV 01/12 $0 10 0 0 0
10/12 $0 XP/TU/EF
10/12: -CCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST; CREDIT LINE
SECURED;

B J JPMCB CARD 06/19 $20300 AS AGREED

414720****** REV 03/99 $0 99 0 0 0
06/19 $0 XP/TU/EF
06/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: FLEXIBLE SPENDING CREDIT CARD;

B B AMEX 07/15 $20000 PAID

-34999******42163 REV 10/14 $0 9 0 0 0
05/15 $0 XP/TU/EF
07/15: -CCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

C C SEARS/CBNA 06/19 $8000 PAID

512107****** REV 02/10 $0 82 0 0 0
07/11 $0 XP/TU/EF
06/19: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER;

C C CB/VICSCRT 03/18 $5000 PAID

513462******9260 REV 08/13 $0 55 0 0 0
11/16 $0 EF
03/18: -CCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

C C COMENITYBANK/VICTORIA 03/18 $5000 PAID

585637****** REV 08/13 $0 56 0 0 0
11/16 $0 XP/TU
03/18: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

C C CBNA 02/14 $4550 PAID

512107****** REV 01/08 $0 73 0 0 0
02/08 $0 EF
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;
Page: 4/10
-------------------------------------------------------------------
APPLICANT:ELLZEY, DENNIS R
SSN :509-52-0674
ADDRESS :8016 LOUDEN CIRCLE CT, FORT COLLINS, CO 80528
-------------------------------------------------------------------
B J SYNCB/SAMS 09/15 $4500 PAID
521333****** REV 10/05 $0 99 0 0 0
11/05 $0 EF
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

B B SYNCB/SAMS 05/17 $3000 PAID

604599****** REV 10/96 $0 82 0 0 0
12/11 $0 XP/TU/EF
05/17:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC---------------
REMARK: ACCOUNT CLOSED BY CONSUMER;

C C SYNCB/MC 06/17 $2500 PAID

524363******4613 REV 12/13 $0 42 0 0 0
03/14 $0 XP/TU/EF
06/17: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER;

C C SYNCB/JCP 04/17 $2200 PAID

600889****** REV 09/08 $0 99 0 0 0
03/09 $0 EF
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

C C SYNCB/ONDC 01/16 $2200 PAID

447995****** REV 08/14 $0 17 0 0 0
08/14 $0 XP/TU/EF
01/16: -CCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER;

C C SYNCB/TJXDC 05/17 $2200 PAID

524366******7650 REV 01/16 $0 16 0 0 0
05/16 $0 XP/TU/EF
05/17: -CCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER;

C C KOHLS/CAPONE 09/13 $1500 PAID

639305******0234 REV 03/07 $0 80 0 0 0
08/13 $0 XP/TU/EF
09/13:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;
Page: 5/10
-------------------------------------------------------------------
APPLICANT:ELLZEY, DENNIS R
SSN :509-52-0674
ADDRESS :8016 LOUDEN CIRCLE CT, FORT COLLINS, CO 80528
-------------------------------------------------------------------
C C SYNCB/TJX 08/18 $1200 PAID
604585******7302 REV 10/16 $0 22 0 0 0
03/17 $0 XP/TU/EF
08/18: -CCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER;

C C SYNCB/OLDNAV 02/16 $400 PAID

601859****** REV 05/11 $0 57 0 0 0
11/11 $0 XP/TU/EF
02/16: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED BY CONSUMER;

C C TARGET NB 10/11 $200 PAID

435237******7774 REV 04/06 $0 65 0 0 0
12/08 $0 XP/EF
10/11:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CLOSED DUE TO INACTIVITY;

J J ALLIANT CU 36 04/18 $10000 PAID

245921960001 AUTO 12/17 $0 03 0 0 0
01/18 $0 XP/TU/EF
01/18: -

J J BMW FINANCIAL SERVICES048 03/16 $10041 PAID

1001909662 AUTO 07/14 $0 20 0 0 0
03/16 $0 XP/TU/EF
03/16: -CCCCCCCCCCCCCCCCCCC

J J CHRYSLER CAPITAL 036 08/15 $5400 PAID

30000155860011000 AUTO 07/15 $0 2 0 0 0
08/15 $0 XP/TU/EF
08/15: -C

J J JPMCB AUTO 036 08/16 $10027 PAID

11608619400705 AUTO 03/16 $0 6 0 0 0
08/16 $0 XP/TU/EF
08/16: -CCCCC

C C SYNCB/JCP 03/12 $0 PAID

600889****** REV 04/03 $0 99 0 0 0
12/03 $0 XP
03/12:
-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;
Page: 6/10
-------------------------------------------------------------------
APPLICANT:ELLZEY, DENNIS R
SSN :509-52-0674
ADDRESS :8016 LOUDEN CIRCLE CT, FORT COLLINS, CO 80528
-------------------------------------------------------------------
C C SYNCB/MERV 01/14 $0 PAID
604589****** REV 12/03 $0 99 0 0 0
03/04 $0 EF
REMARK: ACCOUNT CLOSED AT CONSUMER'S REQUEST;

-------------------------------------------------------------------
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 )
-------------------------------------------------------------------
XP/EF 06/22/19 CREDIT PLUS FINANCE
TU 06/22/19 CORNERSTONE HOME LEN MISC

-------------------------------------------------------------------
C R E D I T O R S
-------------------------------------------------------------------
- ALLIANT CREDIT UNION [XP] 800-328-1935
11545 W TOUHY AVE,CHICAGO, IL 60666
- ALLIANT CU [TU/EF] 773 462 2000
POB 66945,CHICAGO, IL 60666
- 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
- BMW FIN SVC [TU] 800-578-5000
PO BOX 3608,DUBLIN, OH 43016
- BMW FINANCIAL SERVIC [EF] 800-578-5000
5515 PARK CENTER PO 2033219,DUBLIN, OH 43017
- BMW FINANCIAL SERVICES [XP] 800-398-3939
5515 PARKCENTER CIR,DUBLIN, OH 43017
- CBNA/SEARS [XP] 800-669-8488
13200 SMITH RD,CLEVELAND, OH 44130
- CBUSASEARS [EF] 800-669-8488
13200 SMITH ROAD,CLEVELAND, OH 44130
- CHASE [XP/TU/EF] 800-336-6675
900 STEWART AVE,GARDEN CITY NY 11530
- CHASE AUTO [TU] 800-336-6675
P.O. BOX 901003 CREDIT BUREAU DISPUTE PROCESSG,FORT WORTH, TX
- CHRYSLER CAPITAL [XP/TU] 855-563-5635
PO BOX 961275,FORT WORTH, TX 76161
- Credit Plus [TU/EF] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- CREDIT PLUS [XP] 410-742-9551
31550 WINTERPLACE PKWY,SALISBURY, MD 21804
- DSNB MACYS [TU] 800-956-6229
PO BOX 8218,MASON, OH 45040
- GECRB/SAMS [EF] 800-964-1917
,
Page: 7/10
-------------------------------------------------------------------
APPLICANT:ELLZEY, DENNIS R
SSN :509-52-0674
ADDRESS :8016 LOUDEN CIRCLE CT, FORT COLLINS, CO 80528
-------------------------------------------------------------------
- GEMB/JC PENNEYS [EF] 800-542-0800
,
- GEMB/OLD NAVY [EF] 877-222-6868
,
- GEMB/OLDNAVYDC [XP] 877-222-6868
,
- GEMB/SAM'S [EF] 800-964-1917
,
- KOHLS/CAP1 [EF] 800-564-5740
,
- KOHLS/CAPONE [XP] 800-564-5740
,
- MACY'S/DSNB [EF] 866-593-2543
911 DUKE BLVD,MASON, OH 45040
- MBGA/JC PENNEY [XP] 800-542-0800
PO BOX 981131,EL PASO TX 79998
- MCCBG/MERV [EF] 800-480-5014
RETAILERS NATL BANK MERV,MINNEAPOLIS MN 55440
- MCCBG/OLDNAVY [XP] 877-222-6868
PO BOX 103065,ROSWELL, GA 30076
- MCYDSNB [XP] 800-956-6229
,
- RETAILERS NATIONAL B [EF] 888-755-5856
MAIL STOP 2BD P O BOX 9475,MINNEAPOLIS, MN 55440
- RNB TARGET [XP] 888-755-5856
PO BOX 9475,MINNEAPOLIS MN 55440
- SAMS CLUB/MBGA [XP] 800-964-1917
PO BOX 29116,SHAWNEE MISSION KS 66201
- SEARS/CBNA [TU] 800-669-8488
PO BOX 6282,SIOUX FALLS, SD 57117
- SYNCB/TJX [TU] 800-982-6879
PO BOX 965015,ORLANDO, FL 32896
- SYNCB/TJX COS [XP/TU] 877-890-3150
PO BOX 965005,ORLANDO, FL 32896
- W FARGO BK [EF] 888-667-6059
PO BOX 10438 WELLS FARGO DISP CTR/CONSON CO,DES MOINES, IA 503
- WELLS FARGO BANK N A [XP] 888-667-6059
7000 VISTA DR,WEST DES MOINES, IA 50266
- WFHE [TU]
P O BOX 31557 HEQ C.B. DISPUTES,BILLINGS, MT 59107
- WFNNB/VICTORIAS SECRET [XP/TU/EF] 800-695-9478
PO BOX 182128,COLUMBUS OH 43218

-------------------------------------------------------------------
T R A D E S U M M A R Y
-------------------------------------------------------------------
Page: 8/10
-------------------------------------------------------------------
APPLICANT:ELLZEY, DENNIS R
SSN :509-52-0674
ADDRESS :8016 LOUDEN CIRCLE CT, FORT COLLINS, CO 80528
-------------------------------------------------------------------
# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 0 0 0 0 0
AUTO 4 0 0 0 0
EDUCATION 0 0 0 0 0
OTHER INSTALLM 1 356300 375000 1361 0
OPEN 0 0 0 0 0
REVOLVING 20 53 22100 28 0
OTHER 0 0 0 0 0
TOTAL 25 356353 397100 1389 0

SECURED DEBT 0 HIGH CREDIT 397100

UNSECURED DEBT 356353 REV CREDIT UTILIZATION 0%
OLDEST TRADE 10/96 TOTAL DEBT/HIGH CREDIT 90%

-------------------------------------------------------------------
D E R O G A T O R Y S U M M A R Y
-------------------------------------------------------------------
CHARGE OFFS 0 30 DAYS 0 INQUIRIES 2
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-6D0FC7
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 49407906 and password AV-6D0FC7 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
Page: 9/10
-------------------------------------------------------------------
APPLICANT:ELLZEY, DENNIS R
SSN :509-52-0674
ADDRESS :8016 LOUDEN CIRCLE CT, FORT COLLINS, CO 80528
-------------------------------------------------------------------

-------------------------------------------------------------------
T R E N D S U M M A R Y
-------------------------------------------------------------------

*** END OF REPORT 7/29/2019 9:12:45 AM ***

Page: 10/10
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

GROUP MORTGAGE LLC REPORT #: 49407906

2803 E HARMONY RD REFERENCE #: 7200009073
FORT COLLINS, CO 80528
9702292513

RETURN SERVICE REQUESTED

DENNIS R ELLZEY
8016 LOUDEN CIRCLE CT
FORT COLLINS, CO 80528
=================================================================
YOUR CREDIT SCORE - 815
Source: EXPERIAN Date: 07/14/19
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 88 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
* NO RECENT NON-MORTGAGE BALANCE INFORMATION
* NO RECENT REVOLVING BALANCES
=================================================================
Page: 1/18
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.
Page: 2/18
 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.

------------------------------------------------------------------
-----------------
Signature
Date
Page: 3/18
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

GROUP MORTGAGE LLC REPORT #: 49407906

2803 E HARMONY RD REFERENCE #: 7200009073
FORT COLLINS, CO 80528
9702292513

RETURN SERVICE REQUESTED

JUDY A ELLZEY
8016 LOUDEN CIRCLE CT
FORT COLLINS, CO 80528
=================================================================
YOUR CREDIT SCORE - 822
Source: EXPERIAN Date: 07/14/19
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 93 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
* AMOUNT OWED ON ACCOUNTS IS TOO HIGH

=================================================================
CHECKING YOUR CREDIT REPORT
Page: 4/18
-----------------------------------------------------------------
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.
Page: 5/18
 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.

------------------------------------------------------------------
-----------------
Signature
Date
Page: 6/18
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

GROUP MORTGAGE LLC REPORT #: 49407906

2803 E HARMONY RD REFERENCE #: 7200009073
FORT COLLINS, CO 80528
9702292513

RETURN SERVICE REQUESTED

DENNIS R ELLZEY
8016 LOUDEN CIRCLE CT
FORT COLLINS, CO 80528
=================================================================
YOUR CREDIT SCORE - 809
Source: TRANS UNION Date: 07/26/19
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 92 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* NO RECENT REVOLVING BALANCES
* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

=================================================================
CHECKING YOUR CREDIT REPORT
Page: 7/18
-----------------------------------------------------------------
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.
Page: 8/18
 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.

------------------------------------------------------------------
-----------------
Signature
Date
Page: 9/18
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

GROUP MORTGAGE LLC REPORT #: 49407906

2803 E HARMONY RD REFERENCE #: 7200009073
FORT COLLINS, CO 80528
9702292513

RETURN SERVICE REQUESTED

JUDY A ELLZEY
8016 LOUDEN CIRCLE CT
FORT COLLINS, CO 80528
=================================================================
YOUR CREDIT SCORE - 819
Source: TRANS UNION Date: 07/14/19
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 99 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
Page: 10/18
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.
Page: 11/18
 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.

------------------------------------------------------------------
-----------------
Signature
Date
Page: 12/18
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

GROUP MORTGAGE LLC REPORT #: 49407906

2803 E HARMONY RD REFERENCE #: 7200009073
FORT COLLINS, CO 80528
9702292513

RETURN SERVICE REQUESTED

DENNIS R ELLZEY
8016 LOUDEN CIRCLE CT
FORT COLLINS, CO 80528
=================================================================
YOUR CREDIT SCORE - 809
Source: EQUIFAX Date: 07/14/19
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 93 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* NO RECENT REVOLVING BALANCES

=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
Page: 13/18
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.
Page: 14/18
 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.

------------------------------------------------------------------
-----------------
Signature
Date
Page: 15/18
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

GROUP MORTGAGE LLC REPORT #: 49407906

2803 E HARMONY RD REFERENCE #: 7200009073
FORT COLLINS, CO 80528
9702292513

RETURN SERVICE REQUESTED

JUDY A ELLZEY
8016 LOUDEN CIRCLE CT
FORT COLLINS, CO 80528
=================================================================
YOUR CREDIT SCORE - 813
Source: EQUIFAX Date: 07/14/19
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 97 percent of U.S. consumers.

-----------------------------------------------------------------
Key factors that adversely affected your credit score:
-----------------------------------------------------------------
* AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH

=================================================================
CHECKING YOUR CREDIT REPORT
-----------------------------------------------------------------
Page: 16/18
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.
Page: 17/18
 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.

------------------------------------------------------------------
-----------------
Signature
Date
Page: 18/18
GROUP MORTGAGE LLC
2803 E HARMONY RD
FORT COLLINS, CO 80528
9702292513

NOTICE TO THE HOME LOAN APPLICANT

CREDIT SCORE INFORMATION DISCLOSURE

ELLZEY, DENNIS R
8016 LOUDEN CIRCLE CT
FORT COLLINS, CO 80528

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
 The following information about your credit scores was created on
Page: 1/2
 7/14/2019.

Applicant : ELLZEY, DENNIS R

Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 809 Range: 334-818
Key Factors affecting the score:
- NO RECENT REVOLVING BALANCES

Applicant : ELLZEY, DENNIS R

Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 809 Range: 309-839
Key Factors affecting the score:
- NO RECENT REVOLVING BALANCES
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Applicant : ELLZEY, DENNIS R

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 815 Range: 300-850
Key Factors affecting the score:
- LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
- NO RECENT NON-MORTGAGE BALANCE INFORMATION
- NO RECENT REVOLVING BALANCES

Borrower Signature _________________________________________ Date

__________
Page: 2/2
GROUP MORTGAGE LLC
2803 E HARMONY RD
FORT COLLINS, CO 80528
9702292513

NOTICE TO THE HOME LOAN APPLICANT

CREDIT SCORE INFORMATION DISCLOSURE

ELLZEY, JUDY A
8016 LOUDEN CIRCLE CT
FORT COLLINS, CO 80528

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
 The following information about your credit scores was created on
Page: 1/2
 7/14/2019.

Applicant : ELLZEY, JUDY A

Name of Score: EQUIFAX/FICO CLASSIC V5 FACTA
Credit Score : 813 Range: 334-818
Key Factors affecting the score:
- AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH

Applicant : ELLZEY, JUDY A

Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 819 Range: 309-839
Key Factors affecting the score:
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Applicant : ELLZEY, JUDY A

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 822 Range: 300-850
Key Factors affecting the score:
- LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
- AMOUNT OWED ON ACCOUNTS IS TOO HIGH

Borrower Signature _________________________________________ Date

__________
Page: 2/2