R STM March 10

COMMONWEALTH OF VIRGINIA 

STATE CORPORATION COMMISSION 

COMMONWEALTH OF VIRGINIA 

STATE CORPORATION COMMISSION 

V. 

SECURITY TRUST MORTGAGEI L.L.C., 

Defendant 

APPLICATION OF 

DANIEL MCDONALD 

For a mortgage loan originator license 

CASE NO . 

CASE NO . 

BFI-2012-00067 

BFI-2013-00069_ 

a) 

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COMMENTS OF SECURITY TRUST MORTGAGE LLC AND DANIEL 

MCDONALD IN RESPONSE TO THE REPORT OF THE HEARING EXAMINER 

On January 30 . 2015, the State Corporation Commission's Chief Hearing Examiner issued her 

report after one year and four months . I find her report puzzling to say the lease because she 

allowed the same testimony and evidence from the previous hearing into evidence which she 

used in part to make her decision . I am asking the Commissioner to grant me a new hearing 

base solely on the current application and credit or grant me my Mortgage Loan Originator 

License . If this hearing was conducted in a court of law the previous case testimony would not 

be allowed into evidence period . By allowing testimony from the decision in 2012 to be heard 

all over again was bias. Then the Hearing Examiner allowed Dustin Physioc to testify that I had 

an unpaid second mortgage with no proof what so ever was entered into evidence . He also 

made allegations that I refused to co-operate with the BFI in the application process which I can 

provide emails to the contrary . He also gave other questionable testimony . Then Susan Hancock 

from the BFI was allowed to testify with no knowledge of my current application, her testimony 

was pretty much based on the previous hearing . Then the Hearing Examiner alledged I 

borrowed $ 25,000 .00 with no evidence what so ever to pay off my debts . And I don't have the 

financial responsibility, character, and general fitness for licensure as a mortgage originator . On 

September 10, 2013 the day of my hearing I was debt free with all my accounts paid and a

hospital judgment in payment arrangements . The Commissioner denial on July 6, 2012, now 

two years and seven month later I have prospered financially and professionally . Today with my 

income and credit I can get a mortgage up to $ 500,000.00, with my credit and character . I have 

a number of Broker Contracts with various lenders base on my credit and character . I am asking 

the Commission to look at my current application credit report and company bank accounts to 

grant my request for a new hearing base on the current application and facts . If this was a court 

of law I would have been granted my Mortgage Originator License because in a year and four 

months justice has been denied . The Hearing Examiner did not take into account what has 

transpired in that time whether my situation has changed or not . I am asking the Commissioner 

to look at how I have been treated by BFI . Again if this was a court of law this would be double 

jepordy . I give thanks and consideration for your time in addressing this matter . 

Daniel McDonald 

~z NA t t~ A 

Security Trust Mortgage LLC

-Am& 

Provided For 

OEM TmiNOLOGMS, IN- 

50481 W. Pontiac Trail 

Wimm, Michigan USA 48393-2028 

800 .473 .8221 Pax 888.445 .4922 

iffcchnologies .corn 

Security Trust Mortgage LLC 

1407 HEARTHSTONE DRIVE 

FREDERICKSBURG, VA 22401 

5404791225 

Date Received Date issued Requested By 

2/14/2015 2/14'/2015 

Loan Type Reissue # Charges 

Sources Reference # 

XP/TU/EF 

CREDIT REPORT 

6094683 1 

I-A 

Lm 

Im 

CA 

---------------- ------- ------ -------- --------- -------- ---- --- --- --- --------- ---------- 

EXPERIAN 

DANIEL MCDONAL 

577-66-5965 

4107 HEARTHSTONE DR, FREDERI CKSBU 

C; 

, VA 22 101 - SIN ~E 02/1! 

1407 HEARTHSTONE DR, FREDERI CKSBUR G, VA 22 1,01-6602 - SINCE 12/0 6 

7459 WESTCREEK CT, S RINGFIE LID, V~ 22153-1 )18 - SIN --E 03/0' 

2 - TRANSUNION 

DANIEL MCDONALID 

140'1 HEARTHSTONE DR, FREDER CKSB G, VA 22 101 - SIN -_F 12/11 

6208 MOCKINGBIRD PON D TE, B RKE, A 22015 SINCE 1 L/06 

1600 PENNSYLVANIA NW AV, WA SHINGT ON, DC 20 500 

3 - EQUIFAX 

DANIEL MCDONALD DOB -. 

U1040 kS 

140 HEARTHSTONE DR, FREDER CKSBU RG, VA 22 101 - SIN ~g 12/1 

7459 WESTCREEK CT, S RINGFI 'LD, 22153 - SINCE 02 /12 

6208 MOCKINGBIRD PON D TER, URKE, VA 22015 - SINCE )2/12 

---------------- ------- ----- -------- --------- ------- ---- --- --- --- --------- ---------- 

A 6 E R 

-------------------- ------- ----- -------- ------- 

DANIEL MCDONALD - 

EX13 RIAN OFA ~ NAME CHING ERVI CE : N AME DOES N071 MATCH 

OFAC/PLC/FSE LIST 

' 

T ------ - i ---- --- --- --- --------- --- -- ----- 

ECOA KEY : B-B CO-BOR ROWER : J INT. S- ED, U-UN DESIG NAT ED ; A-A UTHORIZED U SER 

by FNA RAF4 M VA & tht F~3 Hmm AftkdWaim 

Pagre 1/7

'A& 

Provided For. 

CREDIT TECHNOLOGIES, IN- 

50481 W. Pontiac Trail 

Wixom, Michigan USA 48393-2028 

800.473.8221 Fax 888,445.4922 

ItTechnotogles .com 

Security T'-uSt Mortgage LLC 



5404791225 

File # 

CREDIT REPORT 

6094681 

Date Received Date Issued Requested By 

2/14/201 .2/14/2QI5 

...DANIEL MCDONALD 


Sources 

XP/TU/EF 

Reference # 

P 

km 

40 

Applicant Name MCDONALD, DANIEL 

Spouse Name 

social Security No Social Security No Age 

Current Address 1407 HEARTHSTONE DR, FREDERICKSBURG, VA 22401 

Length 

Previous Address 

Length 

Marital Status 

Dependents 

0 H CREOfTOR REPORTING 

A 

111WEI 

ACCOUNT NUMBER 

I 

DATE 

'DATF N HIGH CREDIT PRESENT STATUS _1111STORICAL STA TERMS(. ACCT= .j STATUS 

OR BALANCE I PASTDUE I MOS 

DIA CREDITL[MIT OMRNG AMOUNT REV I M, 1 6& P8P" SOURCE 

EQUIFAX FRAUD ALERT :JID THEfT VICTIM - 

ON 

C-O-R-Er--M-O-D-VL-S 


TRANSUNION/FICO -CMIC 5047 (0047648 

038 - SERIOUS DELINQ JENCY, A ND PU1 3LIC RECO ZD OR COL ~ECTION FILE D 

010 - PROPORTION OF 3ALANCES TO CR EDIT LIM ITS IS TO ) HIGH O N BA NK REIJ OL'V ING OR O'1 HER 

REVOLVING ACCOUNTS 

018 - NUMBER OF ACCO JNTS WIT H DELI NQUENCY 

013 - TIME SINCE DEL ENQUENC- - IS TO O RECENT OR UNKNO qN 

FA - INQUIRIES IMPAc rED THE CREDI" SCORE 


EQUIFAX/FICO CLASSIC VS FAC- A 622 

00038 - SERIOUS DELI 1JQUFNCY AND EROGATOR C PUBLIC ZECORD O R CO LLE CTI ON FILED 

00018 - NUMBER OF AC :OUNTS W ITH D LINQUENC ( 

00010 - PROPORTION O F BALANT ES TO CREDIT L IMITS IS rOO HIGI ON BAN K R EVC LVING OR OTHER 

REVOLVING ACCOUNTS 

00020 - LENGTH OF TI 413 SINCE DEROO ATORY PU 3LIC RECO RD OR C( LLEC rIC N I S 1 00 SHORT 

FA - NUMBER OF INQUI ZIES ADV ERSEL AFFECTE ) THE SCO RE, BUT NOT SIG NIF ICP NTLY 


EXPERIAN/FAIR, ISAAC (VER L . 2 ) 611 

38 - SERIOUS DELINQ CY AND PUBL IC RECORD OR COLLE Too VOLVIN ION HIJ F LED H 

18 - NUMBER OF ACCO TS WITn la S, t DELIN QUENCY 

S 

Ul CE 

7 

:) 33 - PROPORTION OF AN BALI NCES ' ~ O C LO~7 RE 

I 

10 - PROPORTION OF B T O HIG D TI N OUNTS BANK S R 

08 - TOO MANY INQUI ES LASt 12 MO NTHS 

OR [ 6T -1 . Rt O tING ACCI UNTS 

C--R-FE--D--I--T- 

SELECT PORTFOLIO S 02/15 11/0q $359508 $35B795 $0 13 0 0 0 MTG 360 AS AGREED 

2770015798499 01/1E $1529 XP/TU/EF 

LOAN MODIFIED ; CONVE .ITTIONAI, REAL STATE LO, W, INCLU )ING PUI CHAS E M :)NE Y T IRST 

LENDKARK FINANCIAL 01/15 01/1! $5335 $5335 $ G 1 0 0 0 AUTO 048 AS AGREED 

5602342904 01/1~ $213 XP/TU/EF 

SYNCB/JCP 01/15 01/OE $290 $262 $0 85 0 0 0 REV MIN AS AGREED 

600889******9684 01/1 $25 XP/TU/EF 

MCYDSJNB 02/1S 12/07 $200 pis $0 85 3 1 0 REV MIN CUR WAS 60 

414784******0 01/15 $50 XP/TU/EF 

Late Dates : LAST LAT E DATE 9/09 

ACCOUNT INFORMATION DISPUTE BY C ONSUMER 

SYNCB/L & T 01/15 01/08 $220 $202 1 $0 1 48 ~ 1 0 1 0 1 REV MIN CUR WAS 1, 30 

604584******9544 01/ 

$25 XP/TU/E 

Late Dates : 3/12-30 

1 

ECOA KEY : B-BORROWER ; C=CO-BORROWER ; J=JOINT; S-SHARED ; 1.1-UNDESIGNATED ; A=AUTHORIZED USER 

The jft~mdm is kmj$hW h mspbm lo w " Im to . imtM of ev*A~q at2 ft'& I h~ bm obtabed hm 50~ dumed r03W . Um ~acy d w*h ft mga**W d~ = guuMm The h7jk . tM aped M kdwvq M lem" 

hmu tor "dw"" hm nt~ d915 ki-ftt e tft lopm h 6*)~ftmiww upon ft a no be hdd InsMcmibime and I wWiftp;VAs1wmo( Pubic Law 91-5A IM Fa Credk Re" AcL Repmtk burm 

catIlas COW PA%W" hkr1M Cre& Rep" 0" ft Mda%h pM byFNMkFMIaFKkVAI~tdF~HMMA&MIIO&IXL 

Page 2/7

CREDIT TECHNOLOGIES, IN- 

50491 W . Pontiac Trail 


CREDIT REPORT 

I..'k 

I File # 800.473 .8221 Fax 888.445 .4922 

60946811 

.Agi www .Crediffechnologics.coni 


2ZJ4/2015 2/14/2015 - DANIEL MCDONALD 

Provided For: 

Loan Type Reissue 

Charges 




Sources 

Reference 9 

5404791225 

XP/TU/EF 

ACCOUNT INFORMATION DISPUTE ) BY CO NSUMER 

J B CARRINGNTG 03/14 11/06 $86700 $0 $0 23 0 0 2 XTG 480 PD WAS 120 

23714064 09/08 XP/TU/EF 

Late Dates : LAST LAT E DATE .2/11 

ACCOUNT TRANSFERRED DR SOLD REAL ESTATE M ORTGAGE 

B B FIRST PREMIER BANK 01/05 10/02 $250 $0 $0 28 0 0 0 REV PAID 

517800******3567 08/04 XP 

ACCOUNT CLOSED AT CO ISUMERI~ REQUE ST 

BB FORD CRED 05/05 05/03 $8503 $0 $0 26 0 0 0 AUTO 049 PAID 

34494856 05/05 XP/Tu 

J B RLS 02/13 11/06 $86700 $0 $0 46 1 1 3 MTG 180 PD WAS 120 

7591044802214 09/08 XP/TU/EF 

Late Dates : 2/09-150 +, 1/09 120, 12/08-90, 11/08-60 10/08- 30 

ACCOUNT TRANSFERRED DR SOLD SECO ND MORTGA -.E 

J B HOME LOAN SERVICES 11/10 11/06 $346800 $0 $0 48 3 9 9 MTG 360 DELINQ 90 

7591044802213 09/10 XP/TU/EF 

Late Dates : 11/10-30 , 8/10- Ot 7/ .0-60, 6/ 0-60, 5/ 0-30, /10- 60, 3/ 10- 60, 

2/10-60, 1/10-60, 12 (09-60, 11/09 30, 3/09 150+, 2/ 9-150+ 1/09-9 0, 12/ 08-90, 

11/08-60, 10/08-60 

TRANSFERRED TO ANOTH ER LEND R ; CO L ES ATE LO, I RCL UDI NG PURCHASE MONEY FIRST 

B B SUNTRUST BK 11/11 06/06 $18318 $0 $ 48 2 j 2 0 AUTO 60 PD WAS 60 

4300004434047058 11/11 

XP/TU/EF 

Late Dates : 10/11-60 , 9/11- 0, 8/ 11-30, 7/ 1.1-30, 6/ 1.1-30, V11- 30, 4/ 11- 30, 

3/11-30, 1/11-30, 12 /10-30, 11/10 -30, 7/10 -30, 2/10 -30, 1/1 0-30 , 1 2/0 9-3 0, 

11/09-30, 9/09-30, 8109-30, 7/09- : 10, 6/09- 10, 5/09- 10, 3/01 -30, 2/ 09- 60, 1/09-30, 

12/08-30, 11/08-30, 0/08-31 

, 8/0 1 1-30 

CLOSED 

ECOA KEY : B-BOR ROWER~ C= CO-BOR ROWER ; J-JO INT ; S-SFIA RED ; U-UN DESIG NAT ED ; A=A LITHORIZED U SER 

N W"00M b k-bW h -V" ID W kloy kfl ft PW Of WAM" -dt ft~ k M~ W. *Wred k. ~ fteMd rd~*, ft wm"q Of "-0 ft ap*W. d~ rd 9-mm The kqk~ h~ ~T~d w W-9~ ft MPX" 

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ftftW betdd In 900culdm aW cwOn wkhft wwlskm d ftWLm91-5Wft Fak Cie* RqmkvAa Rep.Vngb~ao 

Page 3/7

~AA& 

Provided For 

CREWT TECHNOLOGIES, IN- 


Wixorn, Michigan USA 48393-2028 

800 .473.8221 Fax 888.445 .4922 

;,tTechnologies .com 




5404791225 

File I 

I 


CREDIT REPORT 

2/14/2015 2/14/201S _ DANIEL MCDONALD 


Sources 

XP/TU/EF 

Reference 

970919**** 02/15 TU/EF 

CHARGE 

---------------- ------- ------ --------- --------- ------- ----- --- --- --- --------- ---------- 

C 0 L L E C T I D N A C C 0 U I T S 

--------- --------- ------- ----- --- --- --- --------- ---------- 

BE --------------------- 

AAC ------- 09/14 ------ 12/09 $2381 $0 $ 24 

OPEN 001 PAID COLL 

GEMS C******084988 

1 

05109 XP/TU/EF 

PAID COLLECTION ; ACC UNT INF ORMATI ON DISPU TED BY CO qSUMER 

" B CALVARY INVESTMENT 09114 06/12 $1507 $0 $0 COLL 001 PAID COLL 

178429** 12/10 XP/TU/EF 

COLLECTION ACCOUNT ; DRIGINAL CRED ITOR : GE :APITAL R A, ASS IGNE D O N 0 6/1 2 ; ACCOUN T 

INFORMATION DISPUTED BY CONS UMER 

" B CAP ONE 05/13 07/00 $2700 $0 $0 99 REV CHARGE OFF 

529115**-***B894 09/08 XP/TU/EF 

ACCOUNT PAID FOR LES ~ t ULL D B ALANCE ; C, RGED OF F ACCOUN T ; A CCO UNT PIR EVIOUSLY IN 

DisPUTE-NOW RESOLVED R=ORT BY SUBSCRIBE 

i B CAP ONE NA 04/13 12/0 $5000 $0 $0 14 - - - INST 036 PAID CHGOF 

S68112434456 10/00 XP/TU/EF 

ACCOUNT TRANSFERRED DR SOLD PAID CHARGE O FF 

: 

BB FREI)ERICKSBURG CR 02/13 09109 $668 $0 $0 40 0 0 0 COLL 001 SETTLED 

313096******9661 02/13 XP/TU/EF 

ACCOUNT PAID IN FULL FOR LE S THA N THE FUL BALANCE ; ORIGIN AL C RED IT D F NT DATA 

BE FREDERICKSBURG CR 02/13 08/09 $453 $0 $0 1 0 0 0 COLL 001 SETTLED 

307096******8583 02/13 XP/TU/EF 

ACCOUNT PAID IN FULL FOR LE ;S THA N THE FUL BALANCE ; ORIGI NAL C RED ITC R : MEDICAL E AYMENT DATA 

J B HSBC BANK 09/14 09/02 $1900 $0 $0 44 REV PAID CHGOF 

548097******0431 

01109 XP/TU/EF 

ACCOUNT TRANSFERRED DR SOLD 1 PAID CHARGE 0 . 

FO RMATI DN DIS PUT ED BY CON SUMER 

B B SYNCB/DILL 09/14 09/07 $1722 $0 $0 58 REV CHARGE OFF 

604587--****8276 11/10 XP/TU/EF 

ACCOUNT TRANSFERRED OR SOLD CHAR GED OFF A 7COUNT 

ECOA KEY : B-BOR ROWER ; C =CO-BOR ROWER ; J=J OINT; S-SHA RED ; U=UN DESIG NAT ED ; A-A UTHORIZED U SER 

h.M 1. " dWMVR " hor roist" d 

report Is brished k ratorce Upw CO Wmwt. I MM be held bi Sold mrildern ard ~Plw WM t1re prowWts of Pubk Lm 91-SM ft Fok Credk Repor" Act Re" burew 

crtfirts rrm d RmtWW WrW Cj" Reports ons ft smndzft pm by FWAk F144C . FKk VA & tho F~ Hoom Mod,~,~ 

Page 4/7

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Provided For 

CREDIT TEcHNOLOGIES, IN- 


Wixom . Michigan USA 48393-2028 

800.473 .8221 Fax 888 .445 .4922 

iffeclinologies .corn 




5404791225 

File # 

I 


CREDIT REPORT 

6094681-1 

2/14/2015 2/14/2015 _ DANIEL MCDQNALD 


Sources 

Xl?/TU/EF 

Reference 

AAC 800/ 614-4' 30 PO Bo x 2036 WJ N MI 480 )2 

ALLY AUTO FINANCE 800- 200-4( 22 

ALLY FINANCIAL 800- 200-4f 22 200 r ENAISSAN( E CTR D ETR OIT, MI 4 3243 

ALTEGRA CREDIT COMPA IJY 800/ 346-61 37 150 P LLEGHENY CENT P ITT SBURGH, P A 15212 

CALVARY INVESTMENTS 800/ 501-0! 09 

CAP 1 BANK 800/ 258-9 : 19 PO BO X 85015 R ICHI IOND VA 2 3285 

CAP ONE 800- 477-6( 00 PO BO X 30253 S T LAKE CIT C UT, 84130 

CAPITAL 1 BK 800/ 955-7 70 11013 W BROAD ST G EN ALLEN, V A 23060 

CAPITAL ONE BANK 800/ 258-9- 19 PO BC X 85522 R CH IOND, VA !328S 

CAPITAL ONE, N .A . 800- 926-1( 00 PO BO X 30273 S ALT LAKE CIT I, UT 84130 

CARRINGTON MORTGAGE SE 949- 517-7( 00 1610 E SAINT A NDREW P F, S ANT A ANA, CA 92705 

CARRINGTON MORTGAGE SERVEM S61-4! 67 1610 E ST . AND REW PL . #]BI! 0 ~LS ~NT A ANA, CA , 92705 

CAVALRY PORT 800J 501-0! 09 P .0 E OX 27288 T ~,MP E, AZ 8 5288 

CAVALRY PORTFOLIO SE RV 602/ 667-0 : 28 4050 E COTTON CENTER BLV P IOE WIX, AZ 8 5040 

COUNTRYWIDE HOME LOA ~TS 800/ G69-6 07 450 P MERICAN EE T S :MI VALLEY C A 93065 

CREDIT TECH 800- 445-45 22 50481 W PONTIA C TRAIL W IXO1 1, MI 483 )3 

DSN]B MACYS 866- 593-2~ 43 3039 CORN WALL IS RD DI MR ~M, NC 2 7709 

FAIRBANKS/SPS 800/ 258-BE 02 PO BO X 65250 S ALT LAKE CIT C, UT 84165 

FIRST PREMIER CREDIT ZA 800- 584-7( 97 601 E MINNESOJ BOX 

54 A 000 AVE S IOU C FALLS, 3D 57104 

FORD CRED 800/ 727-7C OO PO BO X ~ 

OI Of LXR k, NE 681 54 

FRD MOTOR CR 800 1727-7( 1 00 00 POJ3 142000 

1AR k NE 6815 

FREDERICKSBURG CJB 

(54 ) 834- 44 12 KENNEDY] LANE SU ~TE 02 FI tED ~RICKSBTJ-I br, VA 22407 

ECOA KEY : B=BOR ROWER ; C- CO-BOR ROWER ; J-JO INT ; S- ZED, U-UN DESIG NAT ED ; A-A I UTHORIZED ' U SER 

ohnbmoMWkw~~dmwdld&*.ftaoMnqdwtichttft%6whNJN d-07mmim Thh1q*~hmVdtnk4mr9y0Am" 

Wthft"A*mdPubkL&mglcMftFakrjWkPA"AM R"n4VWm 

cuffinewdReOftntWAknppCmdkPzp"ffWftswOarftpw trj FNMk RW~ FKk VA & ve F~s H~ A**ftWm Page 5/7

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CREDiT TECHNOLOGMS, IN- 



800.473 .BZZI Fax 888.445 .49ZZ 

ffechnologies.corn 




5404791225 

File # 

I 

CREDIT REPORT 

6094681.1 


2 /14/2 O :L 2./14/2015 DANIEL MCDONALQ 

Loan Type Reissue Charges 

Sources Reference # 

XP/TU/EF 

SYNCB~LORD & TAY 866- 465-82 92 PO BO X 965015 0 IDO, FL 3 896 

THE LOAN SERVICING C ENTE801- 293-1.E 83 P .O . BOX 6525( S ~LT LAKE CIT C, UT 84165 

I 

I 

~ 

--------------------- ------- ------ --------- --------- ------- ---- --- --- --- --------- ---------- 

T R A D E S U M M A R 7 ---- 

--------------------- ------- ------ --------- --------- ------- --- 

COUNI BALA NCE HIG H CREDII P7 YMI NT --- P) LST --------- --------- 

DUE 

MO ZTGAGE E 358' 795 359SOE I.E 29 0 

AUTO A 5 : Q5 533E ~ 13 0 

EDU 2ATION 0 0 0 

OTHER INSTA ~LMENT 1 0 0 0 

OPEN 0 

0 

REV )LVING 1 23 121( :1 25 0 

OTHER 0 C 0 0 

TOTAL 2 364 )53 36605- I.E 670 

0 

------------ ------- ------ --------- --------- ------- ---- --- -- -- -------- - 

SECU RED DEB r 3 4274 OLDEST TRADELI 4E 0-) /0( 

UNSECU RED DEB r 679 DEBT/HI GH CRED IT 1 001 

1 

-------------------- ------- ------ -------- --------- ------- ----- --- --- --- --------- ---------- 

~ ) E R ) G A T 0 R Y S U M M A R Y 

-------------------- ------- ----- --------- --------- ------- ----- --- --- --- --------- ------- 

CHI RGE OFF S 4 DELI NQ 30 DAY S 10 

I NQI. IRI ES 2 

COI LECTION 3 2 GO DA YS 8 

BANKRUPTCY ACCOUNT S 0 90 DAI S 8 

PUBLIC RECORD S 4 OTHI ~R 0 

-------------------- ------- ------ -------- --------- ------- ---- --- --- --- --------- ---------- 

K I S C E L L A N E 0 J S I N F 0 R A I 1 0 Z 

--------------------- ------- ------ --------- --------- ------- ---- --- --- --- --------- ---------- 

Instant View Passwor l : AR-0 299FE 

To verify the authen ::icity of thi ; credit :eport, p Lease vi sit 

https ://credit .credi --techno' .ogies corn and lick on :he Inst ant Vie w l ink . Enter report 

number 6094681 and p 9.ssword AR-CC ~99FE to iew TECHNOLO the ~eport JES p [ ar ~ i 'q' irios re l arding 

this report or servi es pro ided y CREDIT 

i~ a F so r on 1ta s at 600 473-8221 . 

1 

1 

1- T 

ECOA KEY : B-1301 :)WER; C~ 

1 CO-BOR ROWER ; J-J OINT ; ZED, U=UN [ 'I )THORIZED SER 

The kft.Wk)fthUWW In Yes don mqt~, Ttxkq*ffhnageed to k&ffWyft . .~.1b 

unries M& d Reftr" MmW Czedk Pm~ -~ ft 9wdwft P=bW OYMAK R-M FFK VA & ft F~ H~ Ad*ftaftL 

I 

Page 617

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Provided For: 

CREDIT TEcHNOLOGIES, 1Nr- 

50481 W. PonLiac Trail 

Wixoni . Miclilgan USA 48393-2028 

800 .473.8221 Fax 888 .445 .4922 

~ffechnologiesxoin 




5404791225 

CREDIT REPORT 

File # 

6094681 1 

Date Received ate Issued Requested By . 

2/1412015 2/14/201S _ DANIEL MCDONALD 

LganType Reissue # 

Charges 

Sounes 

Reference 

XP/TU/EF 

H 

Applicant Name MCDONALD, DANIEL 

Spouse Name 

Social Security No Social Security No Age 

Currerit Address 1407 HEARTHSTONE DR, FREDERICKSBURG, VA 22401 

Length 

Previous Address 

Length 

Marital Status 

Dependents 

I WGHCREDIT PRESEWT 

H TATUS I HIST ACCT TYPE 

CREDITOR REPORTING STATUS 

01PIVIZEI) I OR BALANCE PAITWI I MOS TERMS Waw Of 

ACCOUNT NUMBER 

DATE 

CREDIILIMIT DINING AMOUNT REV 11 3D. J'W~ I PapTem SOURCE 

-------------------------------------------------------------------------------------- 

D I S C L A I M S R 

----------------------------------------------------------- -------------------------------- 

An asterisk (*) following t e payment amouit indicares the repositories ave no rayment 

data and that the amunt was automatically calculated as a percentage of the account 

balance . 

This is a report Cont 

iation su)plied by the relositories listed above . The 

merge process is automated a'.nIng "-nfo 

d 12 report nay inclule some duplications and/or onissions . 

inquiries regaxding any d-isluted items shoild be dicected to the creditor reporting the 

item, or to the appr :)priate repos .tory serrice cent~r(s) listed below . 

EXPERIAN 

.RANSUNI04 

EQUIFAX 

PO BOX 2002 )0 BOX 1010 PO BON 740241 

ALLEN, TX 75013 HESTER, ?A 19022 ATLANTA, GA 30374 

888-397-3742 00-888-4~13 800-685-1111 

www.experian .com/reportacce+S ransunio-i .com/rnyo~tions www,.eq4ifax.com/fcra 

CREDIT AND PUBLIC P-E -ORD DAT A IS )ROVIDED Y THE RE ?ORTING REPC SIT DRI ES BASED ON 

INFOP14ATION PROVIDED BY THE REQUE TING PAR VY . THIS ENFORIAA~ ION HAS NO T E EEN VERI 

CREDIT TECHNOLOGIES, INC . TE IS IS NOT A C01 4SUMZR D1 3CLOSURI . 

D BY 

THIS MERGED CREDIT I L11FILE DO ES NO .' 

REPORT (RMCR) . 

MEET TH E REQUIRE 4ENTS Of A R ESI DEN TIP L MORTGA 

CREDIT 

C. 6DIT TEI ~ 

HN 

OL I EPO IE NC INC AL 12 

close 

e 

0-1 - TI -ans Oth 

Can ' t . 

a 1990-2015 CREDIT 

CRNO 

f IES, 

RIGHTS 

SERVE 0 L r . s 

i D OF 

S RT 

/2015 2 

Mor 58 4 

ECOA KEY : B=BORROWER ; C-CO-BORROWER ; J-JOINT ; S=SHARED ; LI-LINDESIGNATED ; A=AUTFIORIZED 

kgr*M in req~ in ~ Z=d* 11" 

ft my dwv " k. ~*-. d Z4 

wdl" 00 al RoWrCW Mmpp QQ* WW ~ ft WW-ft M=V-d t) MA FRAC~ ffW V11 & ft F~ li~ Ak*ftadM 

Page 7/7

R STM March 10

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