EXPLANATION OF INFORMATION ON CREDIT REPORT

The gray shaded fields on this form are only to be completed by the applicant.

APPLICANT INFORMATION

Use the form below to assist us in better understanding the following credit report information for the applicant listed.

Applicant Name: MODI Loan Number: 286412510

CREDIT INQUIRIES
The creditor(s) below has placed a recent inquiry on your credit report. Please provide further explanation as to whether new credit was obtained as
a result of the inquiry, and if so, the terms of the credit.

Credit established? □YES □NO

Creditor 1: INFORMATIVE Date of inquiry: 9/28/18
(If Yes, provide comments below)
Last 4 Digits of Account #: Payment: Balance:
Comments (if more space is needed, attach another page):
Mortgage application with Guild Mortgage with Builder’s Lender. No Loan taken

Credit established? □YES □NO

Creditor 2: IR/GUILD MORTGAGE COMP Date of inquiry: 9/28/18
(If Yes, provide comments below)
Last 4 Digits of Account #: Payment: Balance:
Comments (if more space is needed, attach another page):

Mortgage application with Guild Mortgage with Builder’s Lender. No Loan taken

Date of inquiry: 9/11/18 & Credit established? □YES □NO

Creditor 3: RENTAL PROPERTY SOLUTI
9/12/18 (If Yes, provide comments below)
Last 4 Digits of Account #: Payment: Balance:
Comments (if more space is needed, attach another page):
Rental Apartment Application credit check with colonial grand at wells branch

Credit established? □YES □NO

Creditor 4: SCRNGRPRTS Date of inquiry: 8/14/18
(If Yes, provide comments below)
Last 4 Digits of Account #: Payment: Balance:
Comments (if more space is needed, attach another page):

Job application credit check with ICU Medical, Inc.

Credit established? □YES □NO

Creditor 5: CBNA Date of inquiry: 6/28/18
(If Yes, provide comments below)
Last 4 Digits of Account #: Payment: Balance:
Comments (if more space is needed, attach another page):

Citi Bank of North America, credit limit increased to $14000, no credit utilized

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 ADDRESS VARIATIONS

Please provide an explanation as to why the following address (es) is appearing on your credit report.

Address 1:
51 HUEMMER TE
CLIFTON, NJ 07013-3329
I/We have ownership in this property? □YES □NO If ownership in property, provide the percent of ownership: _____ %
(If Yes, provide comments below)
Comments (if more space is needed, attach another page):

I stayed at this address with my relatives while pursuing my masters at Stevens Institute of Technology before moving to California.
Address 2:

I/We have ownership in this property? □YES □NO If ownership in property, provide the percent of ownership: _____ %
(If Yes, provide comments below)
Comments (if more space is needed, attach another page):

Address 3:

I/We have ownership in this property? □YES □NO If ownership in property, provide the percent of ownership: _____ %
(If Yes, provide comments below)
Comments (if more space is needed, attach another page):

Address 4:

I/We have ownership in this property? □YES □NO If ownership in property, provide the percent of ownership: _____ %
(If Yes, provide comments below)
Comments (if more space is needed, attach another page):

Address 5:

I/We have ownership in this property? □YES □NO If ownership in property, provide the percent of ownership: _____ %
(If Yes, provide comments below)
Comments (if more space is needed, attach another page):

NAME VARIATIONS

Please provide an explanation as to why the following name(s) is appearing on your credit report.
Explain:
Name 1: MODI,HARDIK This is the name that I prefer to use during communication.
Explain:
Name 2: MODI,HARDIKKUMMAR This is my legal name on all my legal document and my passport
Explain:
Name 3:

Explain:
Name 4:

Explain:
Name 5:

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 OTHER INFORMATION

The following creditor(s) is reporting a status other than satisfactory for the required review period.
Creditor 1: Explain:

Creditor 2: Explain:

Creditor 3: Explain:

Creditor 4: Explain:

Creditor 5: Explain:

SIGNATURE

I hereby certify that the information provided above is accurate regarding the information on the credit report referenced.

Signature of applicant: Hardik Modi Date: 10/27/2018