DELETE THIS TEXT ( If You Have Inquiries on Your Credit Report in the Past 90 Days Prior

DELETE THIS TEXT ( If you have inquiries on your credit report in the past 90 days prior to application for your mortgage, you will need to write an explanation as to what the reason for each inquiry is and whether or not it resulted in any new credit. In addition, ALL addresses that show up as previous addresses need to be explained. This is one of the ways you can first identify potential identify fraud )

August 29, 2010

Primary Residential Mortgage, Inc.

Re: Credit Inquiry and Previous Address Explanation Letter – From Credit Report

To Whom It May Concern:

Inquiries:

DELETE THIS TEXT AND TYPE HERE ( Use this area to explain EACH inquiry that occurred AND if it resulted in any new credit that does not appear on your credit report – you may need our help in completing this because it is based on the credit report we pull)

Previous Addresses:

DELETE THIS TEXT AND TYPE HERE (Use this area to explain each address that shows on your credit report. You can simply explain what each address is – for example you may have previously lived at the address, so simply state that)

Sincerely,

(Your Full Name Here) - THIS LETTER MUST BE SIGNED