Instant Merge Views Report Format

Views Report Format

Easy to read. Easy to use. As the name implies, the Views Instant Merge format organizes each applicants credit history into a highly intuitive and easy-to-understand report so you can assess their creditworthiness more quickly.

Benefits: Clear and Intuitive Organizational Structure Tables with Plain English Headers: All data is clearly presented in uniform tables featuring bold headers.

Color Coded Text: Different colored text is used to draw attention to critical data elements. Red, Blue, and Green text indicates different types of information, including warnings and derogatory information.

Superscript References and Italicized Disclaimers: Related data is conveniently cross-referenced throughout the report using superscript notations. Disclaimers are uniformly presented in italics.

No Unnecessary Information: If a section contains no information, it is simply left off of the report (Public Records Section will always be displayed)

For More Information There is no additional cost to receive the Views format. Contact your CoreLogic Credco sales representative today to get set-up.

Voice: 800.255.0792 Email: contactus@firstam.com Web: www.credco.com

Instant Merge Credit Report

Ref #: 1-00717-31453-0000 07/05/2006 TID #: 1-00726-11477 07/05/2006 10:36:20

Prepared For: Instant Merge Sample Report 12395 First American Way Poway, CA 92064 Attention: John IM Sample

Client Loan # : 42-123456B Account # : 7XX87 Notes : 9210

Prepared By: CoreLogic Credco 12395 First American Way Poway, CA 92064 Tel: (800) 300-3032 Fax: (800) 938-7200 URL: www.credco.com

Requested Delivered

: EFX, XPN, TUC-J : EFX, XPN, TUC

APPLICANT INFORMATION
Name SAMPLE, STEVE SAMPLE, SHARON Address Current: Previous: Current: Previous: 4536 CORELOGIC AVE, TESTSITE, CA 9XX07 123 EAGLE ROAD, TOMORROW, OR 995XX 4536 CORELOGIC AVE, TESTSITE, CA 9XX07 123 EAGLE ROAD, TOMORROW, OR 995XX Address Type OWN RENT OWN RENT SSN 911-72-3333 333-22-1111 DOB or Age 05-20-62 38 Applicant Identifier APP1 APP2

WARNING
POSSIBLE NON-APP INFORMATION PRESENT IN THE REPORT FRAUD ALERT, ACTIVE DUTY ALERT PRESENT SSN POSSIBLE ITIN

INSTANT MERGE CREDIT SUMMARY

ACCOUNT DISTRIBUTION Account Type Real Estate Installment Revolving All Other Accounts Total AVAILABLE CREDIT Revolving INQUIRIES 6 Month Total Elim. same day Adjusted Total New Trades (6 mos) Number 2 1 3 1 7 Balance $177,245 $8,985 $1,738 $130 $188,098 CURRENT STATUS (Tradelines) Payments Current Closed $1,755 1 0 $285 1 0 $49 3 1 $0 0 0 $2,122 5 1 Unrt 0 0 0 0 0 30 1 0 0 0 1 60 0 0 0 0 0 90+ 0 0 0 1 1

31%

$765 PUBLIC RECORDS EFX 1 XPN N/A TUC 1 Last 2 yrs N/A HISTORICAL DELINQUENCIES (COUNT) Account Type Last Dlq Real Estate 09/00 Installment Revolving 08/00 All Other Accounts 08/00 Total

5 1 4 0

Oldest Trade: 03/98 On file: 12/91 Disclaimer: Only Applicant(s) information included in the Summary.

30 9 0 3 0 12

60 1 0 3 0 4

90+ 0 0 4 1 5

DATA SOURCES SCORE INFORMATION

Item # 1 Product Score BEACON 5.0 653 Factor Information Factor: 00024, 00031, 00008, 00002 00024 NO RECENT REVOLVING BALANCES 00031 TOO FEW ACCOUNTS WITH RECENT PAYMENT INFORMATION 00008 TOO MANY INQUIRIES LAST 12 MONTHS 00002 LEVEL OF DELINQUENCY ON ACCOUNTS * Number of Inquiries Adversely Affected the Score Not provided by the repository Data Source EFX Applicant Identifier APP1

BEACON 5.0

EFX

APP2

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Instant Merge Credit Report

Ref #: 1-00717-31453-0000 07/05/2006 TID #: 1-00726-11477 07/05/2006 10:36:20

DATA SOURCES SCORE INFORMATION

Item # 3 Product Score FICO-II 646 Factor Information Factor: 28, 07, 24, 32 28 NUMBER OF ESTABLISHED ACCOUNTS 07 ACCOUNT PAYMENT HISTORY IS TOO NEW TO RATE 24 NO RECENT REVOLVING BALANCES 32 LACK OF RECENT INSTALLMENT LOAN INFORMATION Not provided by the repository Not provided by the repository Factor: 002, 010, 018, 012 002 LEVEL OF DELINQUENCY ON ACCOUNTS 010 PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACOCUNTS 018 NUMBER OF ACCOUNTS WITH DELINQUENCY 012 LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED * Number of Inquiries Adversely Affected the Score Data Source XPN Applicant Identifier APP1

4 5 6

FICO-II FICO Classic 04 FICO Classic 04 667

EFX TUC TUC

APP2 APP1 APP2

CREDIT HISTORY
I Credit Grantor T E Account Number M # Category/Terms Remarks Date Rptd Open Credit Highest Limit Balance Joint Accounts Present Status Monthly Pymt Amt Account Type MOP Status 147286 139339 1326 M-1 CURRENT Historical Status Times Past Due MR 30 60 90+ Data Source ECOA

Appl. Subscriber Ident. Info EFX 180XX00931 XPN TUC

1 COUNTRYWIDE HOME 05-06 LOANS 5462119 10-02 REAL ESTATE MORTGAGE

43

00

00

00

J APP1 APP2

Group Total 1 Accounts

Activity: PYMT 05-06 Pymt Hist: 05-06 111111111111111111111111 Addtl Dates: LACT 05-06 Monthly Balance Pymt Amt 139339 1326

30 00

60 00

90+ 00

CREDIT HISTORY
I Credit Grantor T E Account Number M # Category/Terms Remarks 2 WFS FINANCIAL 51327007 AUTO LOAN 60 MON AUTO LOAN 3 AMERICAN EXPRESS 05-06 XXXXXXXXXXXX4891 03-06 721 0 5000 Activity: PYMT 05-06 Pymt Hist: 05-06 111 Monthly Balance Pymt Amt 8985 285 0 Date Credit Rptd Highest Open Limit Balance Accounts under Applicant 1 Present Status Monthly Pymt Amt Account Type MOP Status 05-06 05-04 12764 8985 13000 285 I-1 CURRENT Historical Status Times Past Due MR 30 60 90+ Data Source ECOA

Appl. Subscriber Ident. Info EFX

24

00

00

00

Activity: PYMT 05-06 Pymt Hist: 05-06 111111111111111111111111 R-1 CURRENT 3 00 00 00

I XPN FXX828796 APP1 TUC EFX I XPN 7400XX0NZ APP1

Group Total 2 Accounts

30 00

60 00

90+ 00

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Instant Merge Credit Report

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CREDIT HISTORY
I Credit Grantor T E Account Number M # Category/Terms Remarks Date Credit Rptd Highest Open Limit Balance Accounts under Applicant 2 Present Status Monthly Pymt Amt Account Type MOP Status 1327 996 49 R-1 CURRENT Historical Status Times Past Due MR 30 60 90+ Data Source ECOA

Appl. Subscriber Ident. Info EFX 15XXB0374 I 7 XPN TUC APP2

4 DISCOVER FINANCIAL 06-06 SVC 601039808 02-02

52

00

00

00

Activity: PYMT 06-06 Pymt Hist: 06-06 111111111111111111111111 Addtl Dates: LACT 04-06; PYMT 06-06 Group Total 1 Accounts Balance 996 Monthly Pymt Amt 49 30 00 60 00 90+ 00

CREDIT HISTORY
I Credit Grantor T E Account Number M # Category/Terms Remarks 5 GMAC 445Ac86325 Date Credit Rptd Highest Open Limit Possible Non-Applicant Accounts Present Status Monthly Pymt Amt Account Type MOP Status 07-06 11-03 5600 3831 61 I-1 CURRENT Historical Status Times Past Due MR 30 60 90+ Data Source ECOA

Balance

Appl. Subscriber Ident. Info

91

00

00

00

Group Total 1 Accounts

Pymt Hist: 07-06 111111111111111111111111 Addtl Dates: LACT 05-02 Monthly Balance Pymt Amt 3831 61

EFX F53016XX2

I APP
ID5

30 00

60 00

90+ 00

DEROGATORY ITEMS CREDIT HISTORY

I Credit Grantor T E Account Number M # Category/Terms Remarks 6 BANK OF AMERICA MORTGAGE 1330469355684 HOME EQUITY LOAN Date Credit Rptd Highest Open Limit Balance Joint Accounts Present Status Monthly Pymt Amt Account Type MOP Status 06-06 07-01 40000 37906 429 M-2 DEL 30 Historical Status Times Past Due MR 30 60 90+ Data Source ECOA

Appl. Subscriber Ident. Info

59

09

01

00

EFX J XPN FPXX86040 APP1 APP2 TUC

Activity: PYMT 12-04 Delinquency Pymt Hist: 06-06 221111212211211121132211 MOP Date Amount Lates: 1X60: 11-04; 9X30: 06-06, 05-06, 12-05, Max 3 11-04 10-05, 09-05, 06-05, 02-05, 10-04, 09-04 Last 2 06-06

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Instant Merge Credit Report

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CREDIT HISTORY
I Credit Grantor T E Account Number M # Category/Terms Remarks 7 CHEVRON U S A Date Credit Rptd Highest Open Limit Balance Joint Accounts Present Status Monthly Pymt Amt Account Type MOP Status 06-06 860 CLOSED 734001 03-98 ACCT SUBMITTED TO COLLECTION; PAID COLL 05-06 CREDIT CARD 8 GRANT & WEBER 05-06 230 130 G800CAL776113 01-98 CN: CALIFORNIA PACIFIC ACCT SUBMITTED TO COLLECTION COLL 05-06 Group Total 3 Accounts N/A 0 R-5 DEL 120 Historical Status Times Past Due MR 30 60 90+ Data Source ECOA

Appl. Subscriber Ident. Info

86

01

02

02

EFX 9060C0024 S XPN TUC APP1 APP2

Activity: CLSD 05-06 Delinquency Pymt Hist: 06-06 543321111111111111111111 MOP Date Amount Lates: 2X90: 06-06,05-06; 2X60: 02-06, 01-06; Max 5 06-06 430 1X30: 12-05 Last 5 06-06 Y-9 COLL/P&L -

Activity: PYMT 05-06 Pymt Hist: 05-06 999

Delinquency MOP Date Amount Max 9 Last 9 30 10 60 03 90+ 02

XPN YC3980206

S APP1 APP2

Balance 38036

Monthly Pymt Amt 429

CREDIT HISTORY
I Credit Grantor T E Account Number M # Category/Terms Remarks Date Credit Rptd Highest Open Limit Balance Accounts under Applicant 1 Present Status Monthly Pymt Amt Account Type MOP Status 1186 742 152300315866 06-02 REFER TO CONSUMER STATEMENT 1 CREDIT CARD 33 R-1 CURRENT Historical Status Times Past Due MR 30 60 90+ Data Source ECOA

Appl. Subscriber Ident. Info

9 FNANB/CIRCUIT CITY 06-06

48

02

01

02 EFX 401HZ00615 I XPN APP1

Group Total 1 Accounts

Activity: PYMT 06-06 Delinquency Pymt Hist: 06-06 111111111111154321211111 MOP Date Amount Lates: 2X90+: 05-05, 04-05; 1X60: 03-05; Max 5 05-05 2X30: 02-05, 12-04 Last 5 05-05 Addtl Dates: LACT 05-05; PYMT 12-04;TRAN 03-03; RFIN 03-04; CHRG 08-02; RPOS 01-05; BKPY 11-03; CLSD 12-02; BLON 01-04 Monthly Balance 30 60 90+ Pymt Amt 742 33 02 01 02

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Instant Merge Credit Report

Ref #: 1-00717-31453-0000 07/05/2006 TID #: 1-00726-11477 07/05/2006 10:36:20

PUBLIC RECORDS Bankruptcy Public Record Information

Public Records may contain duplicate information. This report displays all information reported by the repositories accessed. Dates Dollars ($) Data Source Filed Item Amt/Liabilities Public Record Description Court Name Reported # Assets Subscriber Satisfied Exempt Info Verified 1 CH 7 BANKRUPTCY FILED JOINTLY FEDERAL DISTRIC COURT (LOS 02-02 ANGELES, CA) 02-02 Docket Number: 9719582 06-02 Status: DISCHARGED EFX 155VF00015 TUC ECOA Applicant Identifier J APP1 APP2

END DEROGATORY ITEMS IDENTIFICATION INFORMATION

Item # 1 2 3 4 5 Name SAMPLE, STEVE SAMPLE, STEVE SAMPLE, STEVE SAMPLE, SHARON SAMPLE, STEFAN SSN 911-72-3333 911-72-3333 911-72-3333 333-11-2222 111-22-3359 Date of File Start Birth Date 07-03-62 05-22-72 08-12-72 07-03-62 04-06-72 04-01-64 05-12-74 07-31-75 05-05-82 Data Source EFX XPN TUC TUC TUC Applicant Identifier APP1 APP1 APP1 APP2 APP3

POSSIBLE NON APPLICANT

INQUIRIES MADE IN LAST 6 MONTHS

Item # Inquiry Made By 1 2 3 4 5 FAC TEST NORWEST-RELS TRADE AMERICAN EXPRESS Dates Inquiry Trade 07-05-06 07-05-06 03-05-06 03-06 02-27-06 02-11-06 Data SourceSubscriber Info TUC-082XX891Z XPN-397XX65FR XPN-7400XX0NZ XPN-19XX062YC TUC-071XX157Z Applicant Identifier APP2 APP1 APP1 APP2 APP2

VENGROFF WILLIAMS & AS LENDERS CRDT

ADDRESS INFORMATION
Item # 1 2 Address 4536 FIRST AMERICAN AVE TESTSITE, CA 9XX07 123 EAGLE ROAD TOMORROW, OR 995XX Address Type Since CURRENT CURRENT 08-01 Date Reported 02-06 11-05 Data Source EFX TUC Applicant Identifier APP1 APP2 APP2

AKA INFORMATION
Item # 1 2 Names SAMPLE, STEVE P SAMPLE, SHARON J Data Source XPN XPN Applicant Identifier APP1 APP2

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Instant Merge Credit Report

Ref #: 1-00717-31453-0000 07/05/2006 TID #: 1-00726-11477 07/05/2006 10:36:20

EMPLOYMENT INFORMATION
Item Employer # Address 1 2 BERLIN TIRE ACME FINANCE TESTVILLE, CA Occupation Status Dates Data Source Hired Reported $1000 Bi-monthly 03-00 EFX 05-00 XPN 05-05 Earnings Applicant Identifier APP1 APP2

UNKNOWN VICE PRESIDENT Current

MISCELLANEOUS INFORMATION
Item # Miscellaneous Text 1 2 3 Consumer has Active Duty Alert Consumer has Extended Fraud Alert Variation between Inquiry and Onfile address. Text Type Active Duty Fraud Alert Date Data Reported Source 05-06 XPN TUC TUC Applicant Identifier APP1 APP2 APP2

CONSUMER STATEMENT
Item # Consumer Statement 1 2 3 ACTIVE DUTY ALERT. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. 123 EAGLE ROAD, TOMORROW, OR 99500 DAYTIME 7709991212 EVENING 7708883434 FRAUD VICTIM. EXTENDED ALERT. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. PAGER 7704445555 ACCOUNT WENT TO A DELINQUENT STATUS WHILE I WAS OUT OF THE COUNTRY. Date Data Reported Source 02-05 EFX 03-05 05-05 EFX XPN Applicant Identifier APP1 APP2 APP3
ID5

DECODE DIRECTORY
Decode Creditor Item # 1 2 3 4 5 6 7 8 9 AMERICAN EXPRESS Contact Method Phone/By Mail Only 800-528-4800 Address Subscriber Info PO Box 297812 Ft Lauderdale, FL 33329 110 N Tryon St Charlotte, NC 28255 PO Box 5010 Concord, CA 94524 4500 Park Granada Calabasas, CA 91302 PO Box 30943 Salt Lake City, UT 84130 PO Box 100044 Kennesaw, GA 30156 3500 W 80th St, Ste 300 Bloomington, MN 55431 26575 West Agoura Rd Calabasas, CA 91302 PO Box 25341 Santa Ana, CA 92799 XPN-7400XX0NZ XPN-FPXX86040 EFX-9060C0024 EFX-180XX00931 EFX-15XXB03747 EFX-401HZ00615 EFX-F530169XX2 XPN-YC3980206 XPN-FXX828796 Data Source Applicant Identifier APP1 APP1 APP2 APP1 APP2 APP1 APP2 APP2 APP1 APP3 ID5 APP1 APP2 APP1

BANK OF AMERICA MORTGAGE By Mail Only CHEVRON U S A COUTRYWIDE HOME LOANS DISCOVER FINANCIAL SVC FNANB/CIRCUIT CITY GMAC GRANT & WEBER WFS FINANACIAL INC 800-243-8766 By Mail Only 800-347-2683 By Mail Only 800-200-4522 818-878-7700 800-289-8004

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Instant Merge Credit Report

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FRAUD VERIFICATION INFORMATION

Product Item # SAFESCAN 1 2 HRFA 1 2 3 Fraud Message SAFESCANNED: YOUR INQUIRY HAS GONE THROUGH OUR SAFESCAN DATA BASE; SSN ISSUED 1969 IN HI Not provided by the repository. Not provided by the repository. AVAILABLE AND CLEAR SUB-SEGMENT DATA ONLY; SINCE 11-07-2000 THE SSN HAS BEEN USED 3 TIMES IN OTHER INQUIRIES Data Source EFX Applicant Identifier APP1 APP2 TUC APP1 APP2 ID 5 APP3

DATA SOURCE CONTACTS

Data Source EFX XPN TUC Data Source Name EQUIFAX INFORMATION SVCS EXPERIAN TRANSUNION Address PO BOX 740241 ATLANTA, GA 30374 PO BOX 2002 ALLEN, TX 75013 PO BOX 34012 FULLERTON, CA 92834 Telephone (800) 685-1111 (888) 397-3742 (800) 916-8800 Website www.equifax.com www.experian.com www.transunion.com

ERROR INFORMATION
Item # Error Message(s) 1 TUC DATA UNAVAILABLE Error Codes E021, E160 Data Source TUC Applicant Identifier APP1

DISCLOSURE
This report contains information supplied by the repositories named above. Its contents have not been verified by First American CREDCO and may contain duplicate information. While this report is being used for some real estate lending purposes, it is not a Residential Mortgage Credit Report as defined by FNMA, FHLMC, and FHA/VA guidelines.

End of Instant Merge Report

Views Report Format Tradeline Glossary

ECOA Codes
U I J A S C B M T X UNDESIGNATED INDIVIDUAL JOINT AUTHORIZED USER SHARED CO-MAKER CO-SIGNER MAKER TERMINATED DECEASED Not designated by the Creditor Individual account Joint account Authorized to use someone elses account Joint account Joint responsibility for the account Responsibility only in the case of default on the account Individual account Closed account Deceased individual Universal Rating Code: 0 1 2 3 4 5 MR Months Reviewed The number of months of payment history reported by the repositories. 6 7 8 9 U Too new to rate Current 30 days late 60 days late 90 days late 120 days late 150 days late Wage Earner Plan or Bankruptcy Repossession or Foreclosure Collection or Charge-off Unrated English Translation: CURRENT CURRENT DEL 30 DEL 60 DEL 90 DEL 120 DEL 150 WEP/BKRP REPO/FCL COLL/P&L UNRATED

MOP (Method of Payment)

Account Type: R O C Revolving Open, 30 days Line of Credit I M Y Installment Mortgage External Collection

Historical Payment Pattern

Indicates month-to-month payment history for 24 months, if reported. The Payment History line reads from left to right with the most recent date reported on the left. The line below, Lates, displays more detailed information on the late payments that have occurred with this tradeline. In this example, the Pymt Hist line starts with the rating code 5 next to the 05-02 date. The rating code 5 indicates the account was 120 days past due on 05-02, 4 indicates the account was 90 days late on 04-02, 3 = 60 days late on 3-02 and on 02-02, 2 = 30 days late and the rating code 1 indicates the account was paid on time, or current for the remaining months. See Universal Rating codes for more details. The Times Past Due section is broken into 30, 60 and 90+ days buckets. Ratings of 2 are added to the 30-day buckets, ratings of 3 are in the 60-day buckets and all other rating codes (4, 5, 6, 7, 8, 9) are counted in the 90-day bucket. Times Past Due Pymt Hist: 05-02 5433211111111111111111111 30 60 90+ Lates: 2x90: 05-06, 04-06; 2x60: 03-06, 02-06; 1x30: 01-06 01 02 02

Superscript Cross Reference XXXX XXXX XXXX XXXX

C

A C superscript in a tradeline indicates the payment amount was calculated. No superscript next to the payment amount indicates the payment amount was provided. A DECODE superscript in a tradeline, public record or inquiry indicates the information is presented in the Decode Directory Information section under the indicated Decode Item #. An ID superscript indicates the presented information may be associated with a Possible Non-applicant. The Possible Non-applicant information is presented in the Identification Section under the indicated Item #. The POSSIBLE NON-APPLICANT superscript indicates Possible Non-applicant information. A TRADE superscript indicates the inquiry resulted in a possible new account that is represented by the given tradeline #.

DECODE #

ID # POSSIBLE NON-

APPLICANT TRADE #

XXXX

Text Formatting Reference Red Text indicates Notification Style Information such as Fact Act footnotes, Derogatory Information reported by the repository, Errors, Warnings, Alerts, Liabilities, Possible Non-Applicant, Variations and Summary Delinquencies. Blue Text indicates Broad Information such as Factors, Status, Decode #, Tradeline information, Consumer Statement, Products, websites and CREDCO remarks. Green Text indicates Favorable Information received from data source(s) such as Clear. Italic Text indicates Disclaimers/Disclosures.