The Next Person to See Your Credit Report Should Be YOU

Mortgage Preflight Puts You in Control of Your Credit Report

Mortgage Preflight® is a mortgage pre-qualification system that allows you to decide who has access to your credit report. You gain critical privacy and data security safeguards which help protect you and your family from identity theft. Preflight is the industry “Best Practice” method for initiating a mortgage transaction; providing security safeguards not available elsewhere. You now have the ability to instantly access your credit data including all three of your FICO® scores — the actual scores your mortgage lender will use to approve and price your home loan.

Protect Your Confidential Information

Identity theft experts agree; divulging personal data, including your social security number, can lead to data breaches and identity theft resulting in financial ruin. Preflight’s advanced security features allow you to control the release of your personal information, while providing you instant-access to critical credit data needed to help you qualify for the best rates and terms available.

With Preflight, you now know if a lender can help you before going through the hassle of sending all your tax returns, pay stubs, W-2’s, bank statements and other personal information.

Mortgage Preflight benefits include;

n Instant access to your Mortgage Preflight report. A mortgage-specific summary of your credit report, including your three FICO scores.

n Direct Authentication confirms your identity, providing critical privacy and security safeguards.

n Preflight is the least expensive way to obtain the actual credit scores that will be used in the lending decision.

n Identify opportunities to quickly, (often within 48 hours), improve your credit scores, resulting in better rates.

Garbage In, Garbage Out

Errors are far too common on credit files. Many of these problems are a direct result of poor data entry. A simple typo can make the lending process far more difficult, or result in a denial. With Mortgage Preflight you control the data. The result is fewer errors and a faster, easier lending process.

What to Do Before Applying for a Loan.

n Pay your bills on time, if you have missed a payment, get current and stay current.

n Keep credit card balances low (less than 20% of limit).

n Don’t close unused credit cards.

n Don’t open any new credit cards or installment loans.

n Don’t pay any collections without first talking with your mortgage professional (in many cases, it can result in a lowering of your FICO scores).

Mortgage Preflight is available through licensed real estate and mortgage professionals nationwide. For more information, please contact the housing professional listed below; or call 855.982.8050 for a referral to a Preflight-enabled lender or Realtor in your area.

Credit Technologies, Inc.

50481 Pontiac Trail | Wixom, MI 48393 (800) 445-4922 | Fax: (800) 473-7409

Prepared for:

XYZ Home Loans

Main Street, Towson, MD 21286

Reference #:

Applicant: Smith, John Co-Applicant: Smith, Jane Request Date: 09 /01/2010

Credit score

Applicant Co-Applicant

Current Potential Current Potential

(from bureaus*) (from bureaus*)

on Equifax 657 +11 668 655 +17 672

on Experian 645 +27 672 647 +15 662

on TransUnion 682 +23 705 610 +23 633

Negative mortgage history

In last 12 months none none

All time

Installment loans ≤10 months left none

Key Indicators

Mid-score forecast, in 30 days 638 660

Collection accounts

Public records none none

In dispute none none

In credit counseling none none

Authorized user none

Mortgage shopping (recent inquiries) none none

Alerts reported by bureaus none

Mid-Score Risk

If revolving balances rise, +$250 630 +$250 no decrease

in 30 days +$1,000 624 +$1,000 635

“Current” scores are provided by the credit bureaus (see credit scoring section of credit report for details). “Potential” scores and score changes, score “forecast” and score “risk” are provided by CreditXpert Inc. and are not bureau or FICO scores or changes.