PERSON NAME: ESPARZA, CARLOS ALEXANDER

PERSON SSN : 224-27-7306

FIRST NAME : ESPARZA
LAST NAME : CARLOS ALEXANDER
PERSON DOB : N/A
PERSON ADRESS: 19624 EAST 58TH DRIVE, AURORA, CO 80019
PERSON SCORE: 823
-------------------------------------------------------------------

Page: 2/5
-------------------------------------------------------------------
APPLICANT:ESPARZA, CARLOS ALEXANDER
SSN :524-27-7306
ADDRESS :19624 EAST 58TH DRIVE, AURORA, CO 80019
-------------------------------------------------------------------
B B CAPITAL ONE BANK USA N 04/19 $5000 AS AGREED
412174****** REV 03/94 $0 99 0 0 0
03/19 $0 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

B B FIRSTBANK 03/19 $500 AS AGREED

379297**** REV 02/95 $0 99 0 0 0
--/-- $0 XP/TU/EF
03/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CHECK CREDIT OR LINE OF CREDIT;

B B CAPITAL ONE AUTO FINAN060 01/15 $23827 PAID

62062115261441001 AUTO 07/12 $0 31 0 0 0
01/15 $0 XP/TU/EF
01/15: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

-------------------------------------------------------------------
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
-------------------------------------------------------------------
- 1STBK CO [EF] 303-232-2000
10403 W COLFAX AVE P O BOX 15097,LAKEWOOD, CO 80215
- CAPITAL 1 BK [TU] 800-955-7070
11013 W BROAD ST,GLEN ALLEN VA 23060
- CAPITAL ONE auto [XP] 800-955-7070
PO BOX 85520,RICHMOND VA 23285
- CAPITAL ONE AUTO FIN [EF] p#800-946-03
3901 NORTH DALLAS TOLLWAY,PLANO, TX 75093
- CAPITAL ONE AUTO FINAN [XP/TU] 800-946-0332
3901 DALLAS PKWY,PLANO TX 75093
- CAPITAL ONE BANK USA N [EF] 800-955-7070
,
- Credit Plus [TU] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- FIRSTBANK [XP/EF] 303-232-3000
12345 W COLFAX AVE,LAKEWOOD, CO 80215
- FIRSTBANK CO [TU] 303-235-1135
PO BOX 150097,LAKEWOOD, CO 80215
Page: 3/5
-------------------------------------------------------------------
APPLICANT:ESPARZA, CARLOS ALEXANDER
SSN :524-27-7306
ADDRESS :19624 EAST 58TH DRIVE, AURORA, CO 80019
-------------------------------------------------------------------
-------------------------------------------------------------------
T R A D E S U M M A R Y
-------------------------------------------------------------------
# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 1 50196 120539 1330 0
AUTO 1 0 0 0 0
EDUCATION 0 0 0 0 0
OTHER INSTALLM 0 0 0 0 0
OPEN 0 0 0 0 0
REVOLVING 4 102 19500 20 0
OTHER 0 0 0 0 0
TOTAL 6 50298 140039 1350 0

SECURED DEBT 50196 HIGH CREDIT 140039

UNSECURED DEBT 102 REV CREDIT UTILIZATION 1%
OLDEST TRADE 03/94 TOTAL DEBT/HIGH CREDIT 36%

-------------------------------------------------------------------
D E R O G A T O R Y S U M M A R Y
-------------------------------------------------------------------
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-28AA895
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 48047766 and password AV-28AA895 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
Page: 4/5
-------------------------------------------------------------------
APPLICANT:ESPARZA, CARLOS ALEXANDER
SSN :524-27-7306
ADDRESS :19624 EAST 58TH DRIVE, AURORA, CO 80019
-------------------------------------------------------------------
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
-------------------------------------------------------------------

*** END OF REPORT 4/26/2019 12:18:13 PM ***

Page: 5/5
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

NEST HOME LENDING LLC REPORT #: 48047766

916 S MAIN ST UNIT 208 REFERENCE #: 7260003855
LONGMONT, CO 80501
8774264184

RETURN SERVICE REQUESTED

CARLOS ALEXANDER ESPARZA

19624 EAST 58TH DRIVE
AURORA, CO 80019
=================================================================
YOUR CREDIT SCORE - 828
Source: EXPERIAN Date: 04/26/19
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 95 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: 1/9
-----------------------------------------------------------------
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: 2/9
 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: 3/9
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

NEST HOME LENDING LLC REPORT #: 48047766

916 S MAIN ST UNIT 208 REFERENCE #: 7260003855
LONGMONT, CO 80501
8774264184

RETURN SERVICE REQUESTED

CARLOS ALEXANDER ESPARZA

19624 EAST 58TH DRIVE
AURORA, CO 80019
=================================================================
YOUR CREDIT SCORE - 823
Source: TRANS UNION Date: 04/26/19
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 100 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: 4/9
-----------------------------------------------------------------
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: 5/9
 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: 6/9
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

NEST HOME LENDING LLC REPORT #: 48047766

916 S MAIN ST UNIT 208 REFERENCE #: 7260003855
LONGMONT, CO 80501
8774264184

RETURN SERVICE REQUESTED

CARLOS ALEXANDER ESPARZA

19624 EAST 58TH DRIVE
AURORA, CO 80019
=================================================================
YOUR CREDIT SCORE - 813
Source: EQUIFAX Date: 04/26/19
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: 7/9
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: 8/9
 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: 9/9
NEST HOME LENDING LLC
916 S MAIN ST UNIT 208
LONGMONT, CO 80501
8774264184

NOTICE TO THE HOME LOAN APPLICANT

CREDIT SCORE INFORMATION DISCLOSURE

ESPARZA, CARLOS ALEXANDER

19624 EAST 58TH DRIVE
AURORA, CO 80019

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
 4/26/2019.

Applicant : ESPARZA, CARLOS ALEXANDER

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 : ESPARZA, CARLOS ALEXANDER

Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 823 Range: 309-839
Key Factors affecting the score:
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Applicant : ESPARZA, CARLOS ALEXANDER

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 828 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
-------------------------------------------------------------------
APPLICANT:ESPARZA, CARLOS ALEXANDER CO-APP:
SSN :524-27-7306 CO-SSN:
ADDRESS :19624 EAST 58TH DRIVE, AURORA, CO 80019
-------------------------------------------------------------------
S O U R C E O F I N F O R M A T I O N
-------------------------------------------------------------------
1 - EXPERIAN
CARLOS A ESPARZA 524277306 DOB: N/A
A ESPARZA CARLOS 524277306 DOB: N/A
ESPARZA A CARLOS 524277306 DOB: N/A
524-27-7306
19624 E 58TH DR, AURORA, CO 80019-2029 09/01 - 08/12
4256 ELATI ST, DENVER, CO 80216-2635 02/92 - 02/05
2556 S PAGOSA CT, AURORA, CO 80013-1540 06/93 - 08/95
GROOVE FORD// 08/12
MIKE NAUGHTON FORD//AURORA CO 11/95

2 - TRANSUNION
CARLOS A ESPARZA
DOB: 04/14/69
524-27-7306
19624 E 58TH DR, AURORA, CO 80019-2029 05/09
19624 E 58 DR, AURORA, CO 80019-2029 09/01
4256 ELATI ST, DENVER, CO 80216-2635 08/95
GROOVE FORD//

3 - EQUIFAX
CARLOS A ESPARZA DOB: 04/14/69
524-27-7306
19624 E 58TH DR, AURORA, CO 80019 06/09 - 04/19
19624 E 58 DR, AURORA, CO 80019 10/01 - 04/09
4256 ELATI ST, DENVER, CO 80216 05/95 - 12/14

-------------------------------------------------------------------
S C O R E M O D E L S
-------------------------------------------------------------------
CARLOS A ESPARZA - 524277306
EQUIFAX/FICO CLASSIC V5 FACTA 813
00011 - AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH

CARLOS A ESPARZA - 524277306

TRANSUNION/FICO CLASSIC (04) 823
014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

CARLOS A ESPARZA - 524277306

EXPERIAN/FAIR, ISAAC (VER. 2) 828
12 - LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
01 - AMOUNT OWED ON ACCOUNTS IS TOO HIGH

Page: 1/5
-------------------------------------------------------------------
APPLICANT:ESPARZA, CARLOS ALEXANDER
SSN :524-27-7306
ADDRESS :19624 EAST 58TH DRIVE, AURORA, CO 80019
-------------------------------------------------------------------
-------------------------------------------------------------------
A L E R T
-------------------------------------------------------------------
CARLOS A ESPARZA YOB: 1969
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
-------------------------------------------------------------------
ESPARZA, CARLOS ALEXANDER 524-27-7306
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
-------------------------------------------------------------------
B B FIRSTBANK 180 04/19 $120539 AS AGREED
3320007952532 MTG 04/09 $50196 99 0 0 0
04/19 $1330 XP/TU/EF
04/19:
CCCCCCC-CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY
FIRST;

B B FIRSTBANK MIN 04/19 $14000 AS AGREED

449547******3504 REV 03/00 $102 99 0 0 0
07/18 $20 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

-------------------------------------------------------------------
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
-------------------------------------------------------------------
B B FIRSTBANK 06/11 $14000 INACTIVE
480379******5273 REV 03/00 $0 99 0 0 0
05/11 $0 XP/EF
06/11:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
Page: 2/5
-------------------------------------------------------------------
APPLICANT:ESPARZA, CARLOS ALEXANDER
SSN :524-27-7306
ADDRESS :19624 EAST 58TH DRIVE, AURORA, CO 80019
-------------------------------------------------------------------
B B CAPITAL ONE BANK USA N 04/19 $5000 AS AGREED
412174****** REV 03/94 $0 99 0 0 0
03/19 $0 XP/TU/EF
04/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

B B FIRSTBANK 03/19 $500 AS AGREED

379297**** REV 02/95 $0 99 0 0 0
--/-- $0 XP/TU/EF
03/19:
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
REMARK: CHECK CREDIT OR LINE OF CREDIT;

B B CAPITAL ONE AUTO FINAN060 01/15 $23827 PAID

62062115261441001 AUTO 07/12 $0 31 0 0 0
01/15 $0 XP/TU/EF
01/15: -CCCCCCCCCCCCCCCCCCCCCCCCCCCCCC

-------------------------------------------------------------------
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
-------------------------------------------------------------------
- 1STBK CO [EF] 303-232-2000
10403 W COLFAX AVE P O BOX 15097,LAKEWOOD, CO 80215
- CAPITAL 1 BK [TU] 800-955-7070
11013 W BROAD ST,GLEN ALLEN VA 23060
- CAPITAL ONE auto [XP] 800-955-7070
PO BOX 85520,RICHMOND VA 23285
- CAPITAL ONE AUTO FIN [EF] p#800-946-03
3901 NORTH DALLAS TOLLWAY,PLANO, TX 75093
- CAPITAL ONE AUTO FINAN [XP/TU] 800-946-0332
3901 DALLAS PKWY,PLANO TX 75093
- CAPITAL ONE BANK USA N [EF] 800-955-7070
,
- Credit Plus [TU] 800-258-3488
31550 Winter Place Parkway,SALISBURY, MD 21801
- FIRSTBANK [XP/EF] 303-232-3000
12345 W COLFAX AVE,LAKEWOOD, CO 80215
- FIRSTBANK CO [TU] 303-235-1135
PO BOX 150097,LAKEWOOD, CO 80215
Page: 3/5
-------------------------------------------------------------------
APPLICANT:ESPARZA, CARLOS ALEXANDER
SSN :524-27-7306
ADDRESS :19624 EAST 58TH DRIVE, AURORA, CO 80019
-------------------------------------------------------------------
-------------------------------------------------------------------
T R A D E S U M M A R Y
-------------------------------------------------------------------
# BALANCE HIGH CREDIT PAYMENT PAST DUE
MORTGAGE 1 50196 120539 1330 0
AUTO 1 0 0 0 0
EDUCATION 0 0 0 0 0
OTHER INSTALLM 0 0 0 0 0
OPEN 0 0 0 0 0
REVOLVING 4 102 19500 20 0
OTHER 0 0 0 0 0
TOTAL 6 50298 140039 1350 0

SECURED DEBT 50196 HIGH CREDIT 140039

UNSECURED DEBT 102 REV CREDIT UTILIZATION 1%
OLDEST TRADE 03/94 TOTAL DEBT/HIGH CREDIT 36%

-------------------------------------------------------------------
D E R O G A T O R Y S U M M A R Y
-------------------------------------------------------------------
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-28AA895
To verify the authenticity of this credit report, please visit
https://credit.creditplus.com and click on the Instant View link.
Enter Identifier # 48047766 and password AV-28AA895 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
Page: 4/5
-------------------------------------------------------------------
APPLICANT:ESPARZA, CARLOS ALEXANDER
SSN :524-27-7306
ADDRESS :19624 EAST 58TH DRIVE, AURORA, CO 80019
-------------------------------------------------------------------
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
-------------------------------------------------------------------

*** END OF REPORT 4/26/2019 12:18:13 PM ***

Page: 5/5
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

NEST HOME LENDING LLC REPORT #: 48047766

916 S MAIN ST UNIT 208 REFERENCE #: 7260003855
LONGMONT, CO 80501
8774264184

RETURN SERVICE REQUESTED

CARLOS ALEXANDER ESPARZA

19624 EAST 58TH DRIVE
AURORA, CO 80019
=================================================================
YOUR CREDIT SCORE - 828
Source: EXPERIAN Date: 04/26/19
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 95 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: 1/9
-----------------------------------------------------------------
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: 2/9
 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: 3/9
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

NEST HOME LENDING LLC REPORT #: 48047766

916 S MAIN ST UNIT 208 REFERENCE #: 7260003855
LONGMONT, CO 80501
8774264184

RETURN SERVICE REQUESTED

CARLOS ALEXANDER ESPARZA

19624 EAST 58TH DRIVE
AURORA, CO 80019
=================================================================
YOUR CREDIT SCORE - 823
Source: TRANS UNION Date: 04/26/19
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 100 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: 4/9
-----------------------------------------------------------------
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: 5/9
 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: 6/9
 YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT

NEST HOME LENDING LLC REPORT #: 48047766

916 S MAIN ST UNIT 208 REFERENCE #: 7260003855
LONGMONT, CO 80501
8774264184

RETURN SERVICE REQUESTED

CARLOS ALEXANDER ESPARZA

19624 EAST 58TH DRIVE
AURORA, CO 80019
=================================================================
YOUR CREDIT SCORE - 813
Source: EQUIFAX Date: 04/26/19
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: 7/9
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: 8/9
 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: 9/9
NEST HOME LENDING LLC
916 S MAIN ST UNIT 208
LONGMONT, CO 80501
8774264184

NOTICE TO THE HOME LOAN APPLICANT

CREDIT SCORE INFORMATION DISCLOSURE

ESPARZA, CARLOS ALEXANDER

19624 EAST 58TH DRIVE
AURORA, CO 80019

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
 4/26/2019.

Applicant : ESPARZA, CARLOS ALEXANDER

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 : ESPARZA, CARLOS ALEXANDER

Name of Score: TRANSUNION/FICO CLASSIC (04)
Credit Score : 823 Range: 309-839
Key Factors affecting the score:
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Applicant : ESPARZA, CARLOS ALEXANDER

Name of Score: EXPERIAN/FAIR, ISAAC (VER. 2)
Credit Score : 828 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