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1No.C20020022002130:200112252:Creditpubliccreditprivatecredit3businessindividual1.11.141.11.151.161.23Ccharactercapacitycollateral7:180120078IT19101916RussellSage2020608050609“”601980161616FaircreditreportactFCRAEqualcreditopportunityactECOA12345101075000FTC1996FCRA5FBIFCRAl2345678910111211l3301415l6197832019823451969714“”721241000197510160233090456“”750100131001000197010“”50JohnVentura1998198811EFT“19781019803410198210198719751988---198981977UCCUCC197414:10000992050—1920—3940—5960—7980—9939400—1940—5920—3920—39393810001000100100015ECOA“”249“”1018200081310“”16“”20002E-loan20004Fair.IsaacE-loanFair.Isaac(CraigWatts)2000520006FreddieMac(FRE)FICOFreddieMacFairIsaacTransUni20005Experian17CreditBureauEquifaxTransUnionCreditUnion1InstantCredit231845FCRA352060TRWTRW123192.1RetailCredit,ConsumerCreditExperianEquifaxTransUnionTRWChilton18601906NationalAssociationofRetailCreditAgenciesAssociatedCreditBureaus,Inc.,ACB19066ACBACBACBTRWThompson-Romo-WooldrigeInc.,19961114TRWCreditbase2MemberMerchant,ServeEstablishment12123420TRW6999TRWLoanratingDepositRating1989TRWChilton1996114——CreditInformationSolutionTheGreatUniversalStoresPCLNottinghamCCNExperian215Equifax189914000Equifax1.915001015Equifax41234EquifaxTransUnionTransUnion19882.2TransUnion21990TransUnion45220Ameri-fact21TfiTransUnion1990CRONUSCreditReportingOn-LineNetworkUtilitySystemInFileCreditReport,ResidentialMortgageCredit(EmploymentReport)(BusinessReport))(PersonnelReport),1IdentifyingInformationSocialSecurityNumber2CreditInformation3PublicRecordInformation4InquiriesTRWTRW1TRWExternalInquiry;2TRWInternalInquiryNegativeInformation22TRWTRW11TRWTRWTRWTRWTRWTRW2CreditUnionTRWTRWTRW233TRW4TRWTRWabc.TRW224TRW11232)TRWTRWE-MailTRWTRW3statementTRWTRW350TRWTRW76%TRW25TRWTRWriskscore(),()0-10000363-840840262030“”(1)(2)(3)19326——304019336650“”2780()()19871987198919882019891990“”1989919901992199212199319921250282000208020001999ABCD85A9911147AAAAAABBBBBBCC20009AAA60AA10A5BBB291BB5000B3000C0A5“”199519951.55.719995476831001999515200062820007110015300200——3047200042001311020001.31300450071200120007200010“”3120020(1)(2)(3)(4)(5)“”12323(1)(2)(3)4()()70510