3B Credit Report (XML)

<RESPONSE_GROUP MISMOVersionID="2.4">
    <RESPONDING_PARTY/>
    <RESPOND_TO_PARTY/>
    <RESPONSE ResponseDateTime="2021-08-03T20:22:21">
        <KEY _Name="ReturnCode" _Value="0"/>
        <KEY _Name="ReturnMessage" _Value="Successfully Parsed"/>
        <KEY _Name="MPProduct" _Value="Attribute"/>
        <KEY _Name="MPProduct" _Value="Merge"/>
        <KEY _Name="CreditScoreRankPercent_CRRep0001_SCORE001" _Value="52"/>
        <KEY _Name="TransUnionVantageScore3.0_MinimumValue" _Value="732"/>
        <KEY _Name="TransUnionVantageScore3.0_MaximumValue" _Value="734"/>
        <KEY _Name="CreditScoreRankPercent_CRRep0001_SCORE002" _Value="52"/>
        <KEY _Name="TransUnionVantageScore3.0_MinimumValue" _Value="732"/>
        <KEY _Name="TransUnionVantageScore3.0_MaximumValue" _Value="734"/>
        <KEY _Name="CreditScoreRankPercent_CRRep0001_SCORE003" _Value="50"/>
        <KEY _Name="ExperianVantageScore3.0_MinimumValue" _Value="687"/>
        <KEY _Name="ExperianVantageScore3.0_MaximumValue" _Value="691"/>
        <KEY _Name="CreditScoreRankPercent_CRRep0001_SCORE004" _Value="22"/>
        <KEY _Name="EquifaxVantageScore3.0_MinimumValue" _Value="613"/>
        <KEY _Name="EquifaxVantageScore3.0_MaximumValue" _Value="618"/>
        <RESPONSE_DATA>
            <CREDIT_RESPONSE MISMOVersionID="2.4" CreditResponseID="CRRep0001"
                             CreditReportIdentifier="6-adab9d36-fe7a-4f3f-8"
                             CreditReportFirstIssuedDate="2021-08-03T20:20:17.573Z"
                             CreditReportMergeTypeIndicator="ListAndStack" CreditRatingCodeType="Equifax">
                <_DATA_INFORMATION>
                    <DATA_VERSION _Name="Credmo" _Number="1.3"/>
                    <DATA_VERSION _Name="Equifax" _Number="5"/>
                    <DATA_VERSION _Name="Experian" _Number="7"/>
                    <DATA_VERSION _Name="TransUnion" _Number="4"/>
                </_DATA_INFORMATION>
                <CREDIT_BUREAU/>
                <CREDIT_REPOSITORY_INCLUDED _EquifaxIndicator="Y" _ExperianIndicator="Y" _TransUnionIndicator="Y"/>
                <CREDIT_FROZEN_STATUS _EquifaxIndicator="false" _ExperianIndicator="false"
                                      _TransUnionIndicator="false"/>
                <REQUESTING_PARTY/>
                <CREDIT_REQUEST_DATA BorrowerID="Borrower01">
                    <CREDIT_REPOSITORY_INCLUDED _EquifaxIndicator="N" _ExperianIndicator="N" _TransUnionIndicator="N"/>
                </CREDIT_REQUEST_DATA>
                <BORROWER BorrowerID="Borrower01" _FirstName="THOMAS" _MiddleName="D" _LastName="DEVOS" _SSN="666023511"
                          _UnparsedName="THOMAS D DEVOS " _PrintPositionType="Borrower">
                    <_RESIDENCE _StreetAddress="1206 E BEAR CREEK RD" _City="TUSCALOOSA" _State="AL" _PostalCode="35405"
                                BorrowerResidencyType="Current"/>
                </BORROWER>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE001" BorrowerID="Borrower01" CreditFileID="EA01"
                                  CreditTradeReferenceID="Primary" _AccountIdentifier="6019069092"
                                  _AccountOpenedDate="2020-12-01" _AccountOwnershipType="Individual"
                                  _AccountReportedDate="2021-04-01" _AccountStatusType="Open" _AccountType="Installment"
                                  _DerogatoryDataIndicator="N" _HighBalanceAmount="39613" _HighCreditAmount="39613"
                                  _LastActivityDate="2021-04-01" _MonthlyPaymentAmount="460" _MonthsReviewedCount="3"
                                  _TermsDescription="M$460" _TermsSourceType="Provided" _UnpaidBalanceAmount="39540"
                                  CreditBusinessType="Banking" IsMortgageIndicator="N" IsClosedIndicator="N"
                                  IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="UNITED BANK" _StreetAddress="P.O. BOX 160" _City="BARNESVILLE" _State="GA"
                               _PostalCode="30204">
                        <CONTACT_DETAIL>
                            <CONTACT_POINT _Type="Phone" _Value="7703580417"/>
                        </CONTACT_DETAIL>
                    </_CREDITOR>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="401BB06364"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE002" BorrowerID="Borrower01" CreditFileID="EA01"
                                  CreditTradeReferenceID="Primary" _AccountIdentifier="3467560356121"
                                  _AccountOpenedDate="2016-11-01" _AccountOwnershipType="Individual"
                                  _AccountReportedDate="2021-04-01" _AccountStatusType="Open" _AccountType="Mortgage"
                                  _DerogatoryDataIndicator="N" _HighBalanceAmount="23951" _HighCreditAmount="23951"
                                  _LastActivityDate="2021-04-01" _MonthlyPaymentAmount="399" _MonthsReviewedCount="32"
                                  _TermsMonthsCount="60" _TermsDescription="60M$399" _TermsSourceType="Calculated"
                                  _UnpaidBalanceAmount="15885" CreditBusinessType="Banking" IsMortgageIndicator="Y"
                                  IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="BANK OF AMERICA" _StreetAddress="PO BOX 50368" _City="ATLANTA" _State="GA"
                               _PostalCode="30302"></_CREDITOR>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
                    <CREDIT_COMMENT _SourceType="Equifax" _Type="BureauRemarks" _Code="EF">
                        <_Text>REAL ESTATE MORTGAGE</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_COMMENT _SourceType="Equifax" _Type="BureauRemarks" _Code="HR">
                        <_Text>CONVENTIONAL MORTGAGE</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="401BB02330"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE003" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2021-06-25"
                                  _AccountIdentifier="474681XXXXXX" _AccountOpenedDate="2018-07-18"
                                  _AccountOwnershipType="Individual" _AccountReportedDate="2021-06-25"
                                  _AccountStatusDate="2021-06-01" _AccountStatusType="Open" _AccountType="Revolving"
                                  _DerogatoryDataIndicator="N" _CreditLimitAmount="6900" _HighBalanceAmount="5593"
                                  _HighCreditAmount="5593" _LastActivityDate="2021-06-01" _MonthlyPaymentAmount="118"
                                  _MonthsReviewedCount="32" _TermsDescription="M$118" _TermsSourceType="Provided"
                                  _UnpaidBalanceAmount="5444" CreditBusinessType="Banking" CreditLoanType="CreditCard"
                                  CreditLoanTypeCode="" IsMortgageIndicator="N" IsClosedIndicator="N"
                                  IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="BANK OF AMERICA"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2021-06-25"/>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="StatusCode" _Code="11">
                        <_Text>THIS IS AN ACCOUNT IN GOOD STANDING</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE004" BorrowerID="Borrower01" CreditFileID="EA01"
                                  CreditTradeReferenceID="Primary" _AccountIdentifier="6010101042"
                                  _AccountOpenedDate="2019-08-01" _AccountOwnershipType="Individual"
                                  _AccountReportedDate="2021-04-01" _AccountStatusType="Open" _AccountType="Installment"
                                  _DerogatoryDataIndicator="N" _HighBalanceAmount="10108" _HighCreditAmount="10108"
                                  _LastActivityDate="2021-04-01" _MonthlyPaymentAmount="333" _MonthsReviewedCount="10"
                                  _TermsDescription="M$333" _TermsSourceType="Provided" _UnpaidBalanceAmount="5324"
                                  CreditBusinessType="Banking" IsMortgageIndicator="N" IsClosedIndicator="N"
                                  IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="UNITED BANK" _StreetAddress="P.O. BOX 160" _City="BARNESVILLE" _State="GA"
                               _PostalCode="30204">
                        <CONTACT_DETAIL>
                            <CONTACT_POINT _Type="Phone" _Value="7703580417"/>
                        </CONTACT_DETAIL>
                    </_CREDITOR>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="401BB06364"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE005" BorrowerID="Borrower01" CreditFileID="EA01"
                                  CreditTradeReferenceID="Primary" _AccountIdentifier="6120167033"
                                  _AccountOpenedDate="2019-08-01" _AccountOwnershipType="JointParticipating"
                                  _AccountReportedDate="2021-04-01" _AccountStatusType="Open" _AccountType="Installment"
                                  _DerogatoryDataIndicator="Y" _HighBalanceAmount="7669" _HighCreditAmount="7669"
                                  _LastActivityDate="2021-03-01" _MonthlyPaymentAmount="256" _MonthsReviewedCount="19"
                                  _PastDueAmount="256" _TermsDescription="M$256" _TermsSourceType="Provided"
                                  _UnpaidBalanceAmount="4382" CreditBusinessType="Banking" IsMortgageIndicator="N"
                                  IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="UNITED BANK" _StreetAddress="P.O. BOX 160" _City="BARNESVILLE" _State="GA"
                               _PostalCode="30204">
                        <CONTACT_DETAIL>
                            <CONTACT_POINT _Type="Phone" _Value="7703580417"/>
                        </CONTACT_DETAIL>
                    </_CREDITOR>
                    <_CURRENT_RATING _Code="2" _Type="Late30Days"/>
                    <_HIGHEST_ADVERSE_RATING _Code="2" _Date="2021-02-01" _Type="Late30Days"/>
                    <_LATE_COUNT _30Days="04" _60Days="00" _90Days="00"/>
                    <_PAYMENT_PATTERN _Data="111XXXXXXX1XXXXXXXXX" _StartDate="2021-03-01"/>
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="401BB06364"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE006" BorrowerID="Borrower01" CreditFileID="EA01"
                                  CreditTradeReferenceID="Primary" _AccountIdentifier="120190013478453"
                                  _AccountOpenedDate="2018-11-01" _AccountOwnershipType="JointContractualLiability"
                                  _AccountReportedDate="2021-04-01" _AccountStatusType="Open" _AccountType="Installment"
                                  _DerogatoryDataIndicator="N" _HighBalanceAmount="8999" _HighCreditAmount="8999"
                                  _LastActivityDate="2021-03-01" _MonthlyPaymentAmount="227" _MonthsReviewedCount="29"
                                  _TermsDescription="M$227" _TermsSourceType="Provided" _UnpaidBalanceAmount="4196"
                                  CreditBusinessType="Banking" CreditLoanType="Automobile" IsMortgageIndicator="N"
                                  IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="REGIONS BANK" _StreetAddress="P O BOX 11007" _City="BIRMINGHAM" _State="AL"
                               _PostalCode="35207">
                        <CONTACT_DETAIL>
                            <CONTACT_POINT _Type="Phone" _Value="2053265120"/>
                        </CONTACT_DETAIL>
                    </_CREDITOR>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
                    <CREDIT_COMMENT _SourceType="Equifax" _Type="BureauRemarks" _Code="AO">
                        <_Text>AUTO</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="409BB00633"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE007" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2021-06-15"
                                  _AccountIdentifier="461399XXXXXXXXXX" _AccountOpenedDate="2013-08-28"
                                  _AccountOwnershipType="Individual" _AccountReportedDate="2021-06-15"
                                  _AccountStatusDate="2021-06-01" _AccountStatusType="Open" _AccountType="Revolving"
                                  _DerogatoryDataIndicator="N" _CreditLimitAmount="5000" _HighBalanceAmount="3950"
                                  _HighCreditAmount="3950" _LastActivityDate="2021-06-01" _MonthlyPaymentAmount="82"
                                  _MonthsReviewedCount="47" _TermsDescription="M$82" _TermsSourceType="Provided"
                                  _UnpaidBalanceAmount="3246" CreditBusinessType="OilAndNationalCreditCards"
                                  CreditLoanType="CreditCard" CreditLoanTypeCode="" IsMortgageIndicator="N"
                                  IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="STATE EMP CU OF MARYLA"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2021-06-15"/>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="StatusCode" _Code="11">
                        <_Text>THIS IS AN ACCOUNT IN GOOD STANDING</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE008" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2021-05-28"
                                  _AccountIdentifier="441712XXXXXX" _AccountOpenedDate="2020-04-20"
                                  _AccountOwnershipType="Individual" _AccountReportedDate="2021-05-28"
                                  _AccountStatusDate="2021-05-01" _AccountStatusType="Open" _AccountType="Revolving"
                                  _DerogatoryDataIndicator="N" _CreditLimitAmount="6500" _HighBalanceAmount="2607"
                                  _HighCreditAmount="2607" _LastActivityDate="2021-05-01" _MonthlyPaymentAmount="51"
                                  _MonthsReviewedCount="9" _TermsDescription="M$51" _TermsSourceType="Provided"
                                  _UnpaidBalanceAmount="2564" CreditBusinessType="Banking" CreditLoanType="CreditCard"
                                  CreditLoanTypeCode="" IsMortgageIndicator="N" IsClosedIndicator="N"
                                  IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="BANK CREDIT CARD"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="CCCCCCCCC" _StartDate="2021-05-28"/>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="StatusCode" _Code="11">
                        <_Text>THIS IS AN ACCOUNT IN GOOD STANDING</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE009" BorrowerID="Borrower01" CreditFileID="EA01"
                                  CreditTradeReferenceID="Primary" _AccountIdentifier="6010323402"
                                  _AccountOpenedDate="2020-01-01" _AccountOwnershipType="Individual"
                                  _AccountReportedDate="2021-04-01" _AccountStatusType="Open" _AccountType="Installment"
                                  _DerogatoryDataIndicator="N" _HighBalanceAmount="3575" _HighCreditAmount="3575"
                                  _LastActivityDate="2021-04-01" _MonthlyPaymentAmount="158" _MonthsReviewedCount="11"
                                  _TermsDescription="M$158" _TermsSourceType="Provided" _UnpaidBalanceAmount="1404"
                                  CreditBusinessType="Banking" IsMortgageIndicator="N" IsClosedIndicator="N"
                                  IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="UNITED BANK" _StreetAddress="P.O. BOX 160" _City="BARNESVILLE" _State="GA"
                               _PostalCode="30204">
                        <CONTACT_DETAIL>
                            <CONTACT_POINT _Type="Phone" _Value="7703580417"/>
                        </CONTACT_DETAIL>
                    </_CREDITOR>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="401BB06364"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE010" BorrowerID="Borrower01" CreditFileID="EA01"
                                  CreditTradeReferenceID="Primary" _AccountIdentifier="56901256900689909"
                                  _AccountOpenedDate="2017-09-01" _AccountOwnershipType="Individual"
                                  _AccountReportedDate="2021-03-01" _AccountStatusType="Open" _AccountType="Revolving"
                                  _DerogatoryDataIndicator="Y" _CreditLimitAmount="1000" _LastActivityDate="2021-03-01"
                                  _MonthlyPaymentAmount="37" _MonthsReviewedCount="42" _TermsDescription="M$37"
                                  _TermsSourceType="Provided" _UnpaidBalanceAmount="1014" CreditBusinessType="Banking"
                                  IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N"
                                  IsChargeoffIndicator="N">
                    <_CREDITOR _Name="UNITED BANK OF BARNE" _StreetAddress="PO BOX 1337" _City="ZEBULON" _State="GA"
                               _PostalCode="30295">
                        <CONTACT_DETAIL>
                            <CONTACT_POINT _Type="Phone" _Value="7705672510"/>
                        </CONTACT_DETAIL>
                    </_CREDITOR>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_HIGHEST_ADVERSE_RATING _Code="2" _Date="2017-12-01" _Type="Late30Days"/>
                    <_LATE_COUNT _30Days="01" _60Days="00" _90Days="00"/>
                    <_PAYMENT_PATTERN _Data="XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX1XXX" _StartDate="2021-02-01"/>
                    <CREDIT_COMMENT _SourceType="Equifax" _Type="BureauRemarks" _Code="FE">
                        <_Text>CREDIT CARD</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="401BB12811"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE011" BorrowerID="Borrower01" CreditFileID="EA01"
                                  CreditTradeReferenceID="Primary" _AccountIdentifier="7912236767602"
                                  _AccountOpenedDate="1999-05-01" _AccountOwnershipType="Individual"
                                  _AccountReportedDate="2021-04-01" _AccountStatusType="Open" _AccountType="Open"
                                  _ChargeOffAmount="406" _ChargeOffDate="1999-05-01" _DerogatoryDataIndicator="Y"
                                  _HighBalanceAmount="406" _HighCreditAmount="406" _LastActivityDate="2016-01-01"
                                  _PastDueAmount="406" _UnpaidBalanceAmount="406" CreditBusinessType="UtilitiesAndFuel"
                                  IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N"
                                  IsChargeoffIndicator="Y">
                    <_CREDITOR _Name="ATLANTA GAS LIGHT" _StreetAddress="4920 AVALON RIDGE PARKWAY" _City="NORCROSS"
                               _State="GA" _PostalCode="30071">
                        <CONTACT_DETAIL>
                            <CONTACT_POINT _Type="Phone" _Value="7704275463"/>
                        </CONTACT_DETAIL>
                    </_CREDITOR>
                    <_CURRENT_RATING _Code="9" _Type="CollectionOrChargeOff"/>
                    <_HIGHEST_ADVERSE_RATING _Code="9" _Date="2016-01-01" _Type="CollectionOrChargeOff"/>
                    <_LATE_COUNT _30Days="00" _60Days="00" _90Days="01"/>
                    <_PAYMENT_PATTERN
                            _Data="XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX3XXXXXXXXXXXXXXXXXX"
                            _StartDate="2021-03-01"/>
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="401UG00202"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE012" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2021-07-06"
                                  _AccountIdentifier="2XXXX" _AccountOpenedDate="2016-02-01"
                                  _AccountOwnershipType="Individual" _AccountReportedDate="2021-07-06"
                                  _AccountStatusDate="2021-07-01" _AccountStatusType="Open" _AccountType="Revolving"
                                  _DerogatoryDataIndicator="N" _CreditLimitAmount="557" _HighBalanceAmount="565"
                                  _HighCreditAmount="565" _LastActivityDate="2021-07-01" _MonthlyPaymentAmount="40"
                                  _MonthsReviewedCount="49" _TermsDescription="M$40" _TermsSourceType="Provided"
                                  _UnpaidBalanceAmount="222" CreditBusinessType="DepartmentAndMailOrder"
                                  IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N"
                                  IsChargeoffIndicator="N">
                    <_CREDITOR _Name="HECHTS"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCXCXCXCCCXXCCCC"
                                      _StartDate="2021-07-06"/>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="StatusCode" _Code="11">
                        <_Text>THIS IS AN ACCOUNT IN GOOD STANDING</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE013" BorrowerID="Borrower01" CreditFileID="EA01"
                                  CreditTradeReferenceID="Primary" _AccountIdentifier="6019019603"
                                  _AccountOpenedDate="2020-04-01" _AccountOwnershipType="Individual"
                                  _AccountReportedDate="2021-03-01" _AccountStatusType="Open" _AccountType="Installment"
                                  _DerogatoryDataIndicator="N" _HighBalanceAmount="1687" _HighCreditAmount="1687"
                                  _LastActivityDate="2021-03-01" _MonthlyPaymentAmount="141" _MonthsReviewedCount="10"
                                  _TermsMonthsCount="12" _TermsDescription="12M$141" _TermsSourceType="Calculated"
                                  _UnpaidBalanceAmount="147" CreditBusinessType="Banking" IsMortgageIndicator="N"
                                  IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="UNITED BANK" _StreetAddress="P.O. BOX 160" _City="BARNESVILLE" _State="GA"
                               _PostalCode="30204">
                        <CONTACT_DETAIL>
                            <CONTACT_POINT _Type="Phone" _Value="7703580417"/>
                        </CONTACT_DETAIL>
                    </_CREDITOR>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="401BB06364"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE014" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2021-06-13"
                                  _AccountIdentifier="601100XXXXXX" _AccountOpenedDate="2016-07-05"
                                  _AccountOwnershipType="Individual" _AccountReportedDate="2021-06-13"
                                  _AccountStatusDate="2021-06-01" _AccountStatusType="Open" _AccountType="Revolving"
                                  _DerogatoryDataIndicator="N" _HighBalanceAmount="2802" _HighCreditAmount="2802"
                                  _LastActivityDate="2021-06-01" _MonthlyPaymentAmount="10" _MonthsReviewedCount="47"
                                  _TermsDescription="M$10" _TermsSourceType="Provided" _UnpaidBalanceAmount="129"
                                  CreditBusinessType="Banking" CreditLoanType="CreditCard" CreditLoanTypeCode=""
                                  IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N"
                                  IsChargeoffIndicator="N">
                    <_CREDITOR _Name="DISCOVER FIN SVCS LLC"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCXCCCCCCCCCCCCCCCCCCCC" _StartDate="2021-06-13"/>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="StatusCode" _Code="11">
                        <_Text>THIS IS AN ACCOUNT IN GOOD STANDING</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE015" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2021-07-14"
                                  _AccountIdentifier="686323XXX" _AccountOpenedDate="2013-09-01"
                                  _AccountOwnershipType="Individual" _AccountReportedDate="2021-07-14"
                                  _AccountStatusDate="2021-07-01" _AccountStatusType="Open" _AccountType="Revolving"
                                  _DerogatoryDataIndicator="N" _CreditLimitAmount="930" _HighBalanceAmount="167"
                                  _HighCreditAmount="167" _LastActivityDate="2021-07-01" _MonthlyPaymentAmount="10"
                                  _MonthsReviewedCount="24" _TermsDescription="M$10" _TermsSourceType="Provided"
                                  _UnpaidBalanceAmount="104" CreditBusinessType="DepartmentAndMailOrder"
                                  IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N"
                                  IsChargeoffIndicator="N">
                    <_CREDITOR _Name="TNB - TARGET"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2021-07-14"/>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="StatusCode" _Code="11">
                        <_Text>THIS IS AN ACCOUNT IN GOOD STANDING</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE016" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2021-07-01"
                                  _AccountIdentifier="601164XXXXXXXXXX" _AccountOpenedDate="2018-07-15"
                                  _AccountOwnershipType="Individual" _AccountReportedDate="2021-07-01"
                                  _AccountStatusDate="2021-07-01" _AccountStatusType="Open" _AccountType="Revolving"
                                  _DerogatoryDataIndicator="N" _CreditLimitAmount="500" _HighBalanceAmount="197"
                                  _HighCreditAmount="197" _LastActivityDate="2021-07-01" _MonthlyPaymentAmount="10"
                                  _MonthsReviewedCount="32" _TermsDescription="M$10" _TermsSourceType="Provided"
                                  _UnpaidBalanceAmount="99" CreditBusinessType="MiscellaneousAndPublicRecord"
                                  IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N"
                                  IsChargeoffIndicator="N">
                    <_CREDITOR _Name="PAUL HARRIS/CBNA"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2021-07-01"/>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="StatusCode" _Code="11">
                        <_Text>THIS IS AN ACCOUNT IN GOOD STANDING</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE017" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2021-05-28"
                                  _AccountIdentifier="333339XX" _AccountOpenedDate="2013-09-01"
                                  _AccountOwnershipType="Individual" _AccountReportedDate="2021-05-28"
                                  _AccountStatusDate="2021-05-01" _AccountStatusType="Open" _AccountType="Revolving"
                                  _DerogatoryDataIndicator="N" _CreditLimitAmount="390" _HighBalanceAmount="218"
                                  _HighCreditAmount="218" _LastActivityDate="2021-05-01" _MonthlyPaymentAmount="5"
                                  _MonthsReviewedCount="46" _TermsDescription="M$5" _TermsSourceType="Provided"
                                  _UnpaidBalanceAmount="42" CreditBusinessType="DepartmentAndMailOrder"
                                  IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N"
                                  IsChargeoffIndicator="N">
                    <_CREDITOR _Name="COMPLETE DEPT. STORES"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="CCXCXCCCCCCCCCCCCCCXCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2021-05-28"/>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="StatusCode" _Code="11">
                        <_Text>THIS IS AN ACCOUNT IN GOOD STANDING</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE018" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2021-01-28"
                                  _AccountIdentifier="442887XXXXXX" _AccountOpenedDate="2018-08-17"
                                  _AccountOwnershipType="Individual" _AccountReportedDate="2021-01-28"
                                  _AccountStatusDate="2021-01-01" _AccountStatusType="Closed" _AccountType="Revolving"
                                  _DerogatoryDataIndicator="N" _CreditLimitAmount="1000" _HighBalanceAmount="1000"
                                  _HighCreditAmount="1000" _LastActivityDate="2021-01-01" _MonthsReviewedCount="25"
                                  _UnpaidBalanceAmount="" CreditBusinessType="Banking" CreditLoanType="CreditCard"
                                  CreditLoanTypeCode="" IsMortgageIndicator="N" IsClosedIndicator="Y"
                                  IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="BAC/FLEET-BKCARD"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="CCCCCCCXCCCCCCCCCCCCCCCCC" _StartDate="2021-01-28"/>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE019" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2021-03-28"
                                  _AccountIdentifier="600096XXXX" _AccountOpenedDate="2020-10-26"
                                  _AccountOwnershipType="Individual" _AccountReportedDate="2021-03-28"
                                  _AccountStatusDate="2021-03-01" _AccountStatusType="Closed" _AccountType="Installment"
                                  _DerogatoryDataIndicator="N" _HighBalanceAmount="1000" _LastActivityDate="2021-03-01"
                                  _MonthsReviewedCount="1" _TermsMonthsCount="12" _TermsDescription="12 M"
                                  _TermsSourceType="Provided" _UnpaidBalanceAmount="" CreditBusinessType="Banking"
                                  CreditLoanType="Unsecured" CreditLoanTypeCode="" _OriginalBalanceAmount="00001000"
                                  IsMortgageIndicator="N" IsClosedIndicator="Y" IsCollectionIndicator="N"
                                  IsChargeoffIndicator="N">
                    <_CREDITOR _Name="BANK"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="C" _StartDate="2021-03-28"/>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE020" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2018-12-01"
                                  _AccountIdentifier="522813XXXXXXXXXX" _AccountOpenedDate="2017-05-01"
                                  _AccountOwnershipType="Individual" _AccountReportedDate="2018-12-01"
                                  _AccountStatusDate="2018-12-01" _AccountStatusType="Closed" _AccountType="Revolving"
                                  _DerogatoryDataIndicator="N" _HighBalanceAmount="963" _HighCreditAmount="963"
                                  _LastActivityDate="2018-12-01" _MonthlyPaymentAmount="0" _MonthsReviewedCount="16"
                                  _UnpaidBalanceAmount="0" CreditBusinessType="Banking" CreditLoanType="CreditCard"
                                  CreditLoanTypeCode="" IsMortgageIndicator="N" IsClosedIndicator="Y"
                                  IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="BANK CREDIT CARD"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCC" _StartDate="2018-12-01"/>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE021" BorrowerID="Borrower01" CreditFileID="EA01"
                                  CreditTradeReferenceID="Primary" _AccountIdentifier="4-98539002335"
                                  _AccountOpenedDate="2013-12-01" _AccountOwnershipType="Individual"
                                  _AccountReportedDate="2017-01-01" _AccountStatusType="Open" _AccountType="Installment"
                                  _DerogatoryDataIndicator="N" _HighBalanceAmount="27140" _HighCreditAmount="27140"
                                  _LastActivityDate="2016-11-01" _MonthlyPaymentAmount="0" _MonthsReviewedCount="37"
                                  _UnpaidBalanceAmount="0" CreditBusinessType="Banking" IsMortgageIndicator="N"
                                  IsClosedIndicator="Y" IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="BANK OF AMERICA" _StreetAddress="NC 4 105 01 34" _City="GREENSBORO" _State="NC"
                               _PostalCode="27410">
                        <CONTACT_DETAIL>
                            <CONTACT_POINT _Type="Phone" _Value="4045294817"/>
                        </CONTACT_DETAIL>
                    </_CREDITOR>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="401BB01233"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE022" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2021-06-28"
                                  _AccountIdentifier="442813XXXXXX" _AccountOpenedDate="2017-03-01"
                                  _AccountOwnershipType="Individual" _AccountReportedDate="2021-06-28"
                                  _AccountStatusDate="2021-06-01" _AccountStatusType="Open" _AccountType="Revolving"
                                  _DerogatoryDataIndicator="N" _CreditLimitAmount="2200" _LastActivityDate="2021-06-01"
                                  _MonthlyPaymentAmount="0" _MonthsReviewedCount="47" _UnpaidBalanceAmount="0"
                                  CreditBusinessType="OilAndNationalCreditCards" CreditLoanType="CreditCard"
                                  CreditLoanTypeCode="" IsMortgageIndicator="N" IsClosedIndicator="N"
                                  IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="CITICARDS CBNA"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCXXXXXCCCCCCCCCCCCCCCCCCCCCXCCC" _StartDate="2021-06-28"/>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="StatusCode" _Code="11">
                        <_Text>THIS IS AN ACCOUNT IN GOOD STANDING</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE023" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2020-02-24"
                                  _AccountIdentifier="152020XXXXXXXXXXX" _AccountOpenedDate="2016-03-18"
                                  _AccountOwnershipType="Individual" _AccountReportedDate="2020-02-24"
                                  _AccountStatusDate="2020-02-01" _AccountStatusType="Closed" _AccountType="Revolving"
                                  _DerogatoryDataIndicator="N" _CreditLimitAmount="100" _HighBalanceAmount="57"
                                  _HighCreditAmount="57" _LastActivityDate="2020-02-01" _MonthlyPaymentAmount="0"
                                  _MonthsReviewedCount="24" _UnpaidBalanceAmount="0" CreditBusinessType="Clothing"
                                  IsMortgageIndicator="N" IsClosedIndicator="Y" IsCollectionIndicator="N"
                                  IsChargeoffIndicator="N">
                    <_CREDITOR _Name="COMENITY BANK/EXPRESS"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2020-02-24"/>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="StatusCode" _Code="11">
                        <_Text>THIS IS AN ACCOUNT IN GOOD STANDING</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="BureauRemarks" _Code="19">
                        <_Text>ACCOUNT CLOSED AT CONSUMER'S REQUEST</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE024" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2019-08-19"
                                  _AccountIdentifier="152020XXXXXXXXXXX" _AccountOpenedDate="2016-09-12"
                                  _AccountOwnershipType="Individual" _AccountReportedDate="2019-08-19"
                                  _AccountStatusDate="2019-08-01" _AccountStatusType="Closed" _AccountType="Revolving"
                                  _DerogatoryDataIndicator="N" _CreditLimitAmount="410" _HighBalanceAmount="85"
                                  _HighCreditAmount="85" _LastActivityDate="2019-08-01" _MonthlyPaymentAmount="0"
                                  _MonthsReviewedCount="19" _UnpaidBalanceAmount="0" CreditBusinessType="Clothing"
                                  IsMortgageIndicator="N" IsClosedIndicator="Y" IsCollectionIndicator="N"
                                  IsChargeoffIndicator="N">
                    <_CREDITOR _Name="COMENITY BANK/LIMITED"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="CXXXXXXXXXXCCCCCCXX" _StartDate="2019-08-19"/>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="StatusCode" _Code="11">
                        <_Text>THIS IS AN ACCOUNT IN GOOD STANDING</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="BureauRemarks" _Code="19">
                        <_Text>ACCOUNT CLOSED AT CONSUMER'S REQUEST</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE025" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2021-02-11"
                                  _AccountIdentifier="152020XXXXXXXXXXX" _AccountOpenedDate="2018-04-28"
                                  _AccountOwnershipType="Individual" _AccountReportedDate="2021-02-11"
                                  _AccountStatusDate="2021-02-01" _AccountStatusType="Open" _AccountType="Revolving"
                                  _DerogatoryDataIndicator="N" _CreditLimitAmount="1000" _HighBalanceAmount="256"
                                  _HighCreditAmount="256" _LastActivityDate="2021-02-01" _MonthlyPaymentAmount="0"
                                  _MonthsReviewedCount="24" _UnpaidBalanceAmount="0" CreditBusinessType="Clothing"
                                  IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N"
                                  IsChargeoffIndicator="N">
                    <_CREDITOR _Name="COMENITYBANK/VICTORIA"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2021-02-11"/>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="StatusCode" _Code="11">
                        <_Text>THIS IS AN ACCOUNT IN GOOD STANDING</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE026" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2021-04-28"
                                  _AccountIdentifier="542976XXXXXXXXXX" _AccountOpenedDate="2018-07-15"
                                  _AccountOwnershipType="Individual" _AccountReportedDate="2021-04-28"
                                  _AccountStatusDate="2021-04-01" _AccountStatusType="Closed" _AccountType="Revolving"
                                  _DerogatoryDataIndicator="N" _HighBalanceAmount="2732" _HighCreditAmount="2732"
                                  _LastActivityDate="2021-04-01" _MonthsReviewedCount="30" _UnpaidBalanceAmount=""
                                  CreditBusinessType="Banking" CreditLoanType="CreditCard" CreditLoanTypeCode=""
                                  IsMortgageIndicator="N" IsClosedIndicator="Y" IsCollectionIndicator="N"
                                  IsChargeoffIndicator="N">
                    <_CREDITOR _Name="DISCOVER FINANCIAL SVC"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2021-04-28"/>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="BureauRemarks" _Code="19">
                        <_Text>ACCOUNT CLOSED AT CONSUMER'S REQUEST</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE027" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2021-06-13"
                                  _AccountIdentifier="601130XXXXXX" _AccountOpenedDate="2018-07-09"
                                  _AccountOwnershipType="Individual" _AccountReportedDate="2021-06-13"
                                  _AccountStatusDate="2021-06-01" _AccountStatusType="Open" _AccountType="Revolving"
                                  _DerogatoryDataIndicator="N" _CreditLimitAmount="4700" _HighBalanceAmount="772"
                                  _HighCreditAmount="772" _LastActivityDate="2021-06-01" _MonthlyPaymentAmount="0"
                                  _MonthsReviewedCount="31" _UnpaidBalanceAmount="0" CreditBusinessType="Banking"
                                  CreditLoanType="CreditCard" CreditLoanTypeCode="" IsMortgageIndicator="N"
                                  IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="DISCOVER FINANCIAL SVC"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2021-06-13"/>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="StatusCode" _Code="11">
                        <_Text>THIS IS AN ACCOUNT IN GOOD STANDING</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE028" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2021-06-28"
                                  _AccountIdentifier="600466XXXXXXXXXX" _AccountOpenedDate="2013-10-09"
                                  _AccountOwnershipType="Individual" _AccountReportedDate="2021-06-28"
                                  _AccountStatusDate="2021-06-01" _AccountStatusType="Closed" _AccountType="Revolving"
                                  _DerogatoryDataIndicator="N" _HighBalanceAmount="55" _HighCreditAmount="55"
                                  _LastActivityDate="2021-06-01" _MonthlyPaymentAmount="0" _MonthsReviewedCount="48"
                                  _UnpaidBalanceAmount="0" CreditBusinessType="Clothing" IsMortgageIndicator="N"
                                  IsClosedIndicator="Y" IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="FASHION BUG/SOANB"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCXCCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2021-06-28"/>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="StatusCode" _Code="11">
                        <_Text>THIS IS AN ACCOUNT IN GOOD STANDING</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="BureauRemarks" _Code="19">
                        <_Text>ACCOUNT CLOSED AT CONSUMER'S REQUEST</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE029" BorrowerID="Borrower01" CreditFileID="TA01"
                                  CreditTradeReferenceID="Primary" _AccountIdentifier="111116803211"
                                  _AccountOpenedDate="2012-06-16" _AccountOwnershipType="AuthorizedUser"
                                  _AccountPaidDate="2012-11-02" _AccountReportedDate="2015-06-17"
                                  _AccountStatusType="Paid" _AccountType="Revolving" _DerogatoryDataIndicator="N"
                                  _HighBalanceAmount="0" _HighCreditAmount="0" _LastActivityDate="2012-11-02"
                                  _MonthlyPaymentAmount="0" _MonthsReviewedCount="1" _PastDueAmount="0"
                                  _UnpaidBalanceAmount="0" CreditBusinessType="Banking" CreditLoanType="CreditCard"
                                  CreditLoanTypeCode="CC" _OriginalBalanceAmount="000000000" IsMortgageIndicator="N"
                                  IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="FST USA BK B" _StreetAddress="PO BOX 8650" _City="WILMINGTON" _State="DE"
                               _PostalCode="19899"></_CREDITOR>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
                    <_PAYMENT_PATTERN _Data="C" _StartDate="2015-05-17"/>
                    <CREDIT_COMMENT _SourceType="TransUnion" _Type="Other" _TypeOtherDescription="Handle"
                                    _Code="TR01_-1998285220_887955711_82"/>
                    <CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="07519027"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE030" BorrowerID="Borrower01" CreditFileID="EA01"
                                  CreditTradeReferenceID="Primary" _AccountIdentifier="9-429776576053"
                                  _AccountOpenedDate="2018-09-01" _AccountOwnershipType="Individual"
                                  _AccountReportedDate="2021-02-01" _AccountStatusType="Open" _AccountType="Revolving"
                                  _DerogatoryDataIndicator="N" _HighBalanceAmount="133" _HighCreditAmount="133"
                                  _LastActivityDate="2021-02-01" _MonthlyPaymentAmount="0" _MonthsReviewedCount="29"
                                  _UnpaidBalanceAmount="0" CreditBusinessType="DepartmentAndMailOrder"
                                  IsMortgageIndicator="N" IsClosedIndicator="N" IsCollectionIndicator="N"
                                  IsChargeoffIndicator="N">
                    <_CREDITOR _Name="JCPENNEY-MONOGRAM CC" _StreetAddress="SEE BRANCH LISTING" _City="DALLAS"
                               _State="TX" _PostalCode="75221">
                        <CONTACT_DETAIL>
                            <CONTACT_POINT _Type="Phone" _Value="8008012055"/>
                        </CONTACT_DETAIL>
                    </_CREDITOR>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
                    <CREDIT_COMMENT _SourceType="Equifax" _Type="BureauRemarks" _Code="AV">
                        <_Text>CHARGE</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="906DC02348"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE031" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2021-07-15"
                                  _AccountIdentifier="443528XXXXXX" _AccountOpenedDate="2020-08-15"
                                  _AccountOwnershipType="Individual" _AccountReportedDate="2021-07-15"
                                  _AccountStatusDate="2021-07-01" _AccountStatusType="Closed" _AccountType="Revolving"
                                  _DerogatoryDataIndicator="N" _CreditLimitAmount="5300" _LastActivityDate="2021-07-01"
                                  _MonthlyPaymentAmount="0" _MonthsReviewedCount="7" _UnpaidBalanceAmount="0"
                                  CreditBusinessType="Banking" CreditLoanType="CreditCard" CreditLoanTypeCode=""
                                  IsMortgageIndicator="N" IsClosedIndicator="Y" IsCollectionIndicator="N"
                                  IsChargeoffIndicator="N">
                    <_CREDITOR _Name="PEOPLES UNITED BANK"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="CCCCCCC" _StartDate="2021-07-15"/>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="StatusCode" _Code="11">
                        <_Text>THIS IS AN ACCOUNT IN GOOD STANDING</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="BureauRemarks" _Code="19">
                        <_Text>ACCOUNT CLOSED AT CONSUMER'S REQUEST</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE032" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2020-12-28"
                                  _AccountIdentifier="544601XXXXXXXXXX" _AccountOpenedDate="2015-03-21"
                                  _AccountOwnershipType="Individual" _AccountReportedDate="2020-12-28"
                                  _AccountStatusDate="2020-12-01" _AccountStatusType="Closed" _AccountType="Revolving"
                                  _DerogatoryDataIndicator="N" _CreditLimitAmount="1100" _HighBalanceAmount="559"
                                  _HighCreditAmount="559" _LastActivityDate="2020-12-01" _MonthsReviewedCount="21"
                                  _UnpaidBalanceAmount="" CreditBusinessType="Banking" CreditLoanType="CreditCard"
                                  CreditLoanTypeCode="" IsMortgageIndicator="N" IsClosedIndicator="Y"
                                  IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="SIGNET BANK"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCC" _StartDate="2020-12-28"/>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE033" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2021-04-02"
                                  _AccountIdentifier="220023XXXXXXXXX" _AccountOpenedDate="2015-08-08"
                                  _AccountOwnershipType="Individual" _AccountReportedDate="2021-04-02"
                                  _AccountStatusDate="2021-04-01" _AccountStatusType="Refinanced"
                                  _AccountType="Installment" _DerogatoryDataIndicator="N" _HighBalanceAmount="7541"
                                  _LastActivityDate="2021-04-01" _MonthsReviewedCount="7" _TermsMonthsCount="120"
                                  _TermsDescription="120M" _TermsSourceType="Provided" _UnpaidBalanceAmount=""
                                  CreditBusinessType="Banking" CreditLoanType="Educational" CreditLoanTypeCode=""
                                  _OriginalBalanceAmount="00007541" IsMortgageIndicator="N" IsClosedIndicator="Y"
                                  IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="SIGNET BANK/MARYLAND"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="CCCCCCC" _StartDate="2021-04-02"/>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="StatusCode" _Code="05">
                        <_Text>ACCOUNT TRANSFERRED TO ANOTHER OFFICE</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="BureauRemarks" _Code="28">
                        <_Text>ACCOUNT CLOSED DUE TO TRANSFER OR REFINANCE</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE034" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2015-10-28"
                                  _AccountIdentifier="302204XXXXX" _AccountOpenedDate="2015-09-28"
                                  _AccountOwnershipType="Individual" _AccountPaidDate="2015-10-28"
                                  _AccountReportedDate="2015-10-28" _AccountStatusDate="2015-10-01"
                                  _AccountStatusType="Closed" _AccountType="Installment" _DerogatoryDataIndicator="N"
                                  _LastActivityDate="2015-10-01" _MonthlyPaymentAmount="0" _MonthsReviewedCount="1"
                                  _UnpaidBalanceAmount="0" CreditBusinessType="Banking" CreditLoanType="Educational"
                                  CreditLoanTypeCode="" IsMortgageIndicator="N" IsClosedIndicator="Y"
                                  IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="SIGNET BANK/MARYLAND"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="C" _StartDate="2015-10-28"/>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE035" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2021-05-28"
                                  _AccountIdentifier="534819XXXXXXXXXX" _AccountOpenedDate="2018-09-26"
                                  _AccountOwnershipType="Individual" _AccountReportedDate="2021-05-28"
                                  _AccountStatusDate="2021-05-01" _AccountStatusType="Open" _AccountType="Revolving"
                                  _DerogatoryDataIndicator="N" _CreditLimitAmount="1800" _HighBalanceAmount="382"
                                  _HighCreditAmount="382" _LastActivityDate="2021-05-01" _MonthlyPaymentAmount="0"
                                  _MonthsReviewedCount="29" _UnpaidBalanceAmount="0" CreditBusinessType="Banking"
                                  CreditLoanType="CreditCard" CreditLoanTypeCode="" IsMortgageIndicator="N"
                                  IsClosedIndicator="N" IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="SYNCB/BEST BUY"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2021-05-28"/>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="StatusCode" _Code="11">
                        <_Text>THIS IS AN ACCOUNT IN GOOD STANDING</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE036" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2018-08-12"
                                  _AccountIdentifier="CP8E05XXXXX" _AccountOpenedDate="2015-06-01"
                                  _AccountOwnershipType="Individual" _AccountReportedDate="2018-08-12"
                                  _AccountStatusDate="2018-08-01" _AccountStatusType="Closed" _AccountType="Revolving"
                                  _DerogatoryDataIndicator="N" _HighBalanceAmount="70" _HighCreditAmount="70"
                                  _LastActivityDate="2018-08-01" _MonthlyPaymentAmount="0" _MonthsReviewedCount="1"
                                  _UnpaidBalanceAmount="0" CreditBusinessType="DepartmentAndMailOrder"
                                  IsMortgageIndicator="N" IsClosedIndicator="Y" IsCollectionIndicator="N"
                                  IsChargeoffIndicator="N">
                    <_CREDITOR _Name="SYNCB/M WARDS"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="C" _StartDate="2018-08-12"/>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="BureauRemarks" _Code="19">
                        <_Text>ACCOUNT CLOSED AT CONSUMER'S REQUEST</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE037" BorrowerID="Borrower01" CreditFileID="EA01"
                                  CreditTradeReferenceID="Primary" _AccountIdentifier="6019019602"
                                  _AccountOpenedDate="2019-04-01" _AccountOwnershipType="Individual"
                                  _AccountReportedDate="2020-04-01" _AccountStatusType="Open" _AccountType="Installment"
                                  _DerogatoryDataIndicator="Y" _HighBalanceAmount="1550" _HighCreditAmount="1550"
                                  _LastActivityDate="2019-06-01" _MonthlyPaymentAmount="133" _MonthsReviewedCount="10"
                                  _TermsDescription="M$133" _TermsSourceType="Provided" _UnpaidBalanceAmount=""
                                  CreditBusinessType="Banking" IsMortgageIndicator="N" IsClosedIndicator="Y"
                                  IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="UNITED BANK" _StreetAddress="P.O. BOX 160" _City="BARNESVILLE" _State="GA"
                               _PostalCode="30204">
                        <CONTACT_DETAIL>
                            <CONTACT_POINT _Type="Phone" _Value="7703580417"/>
                        </CONTACT_DETAIL>
                    </_CREDITOR>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_HIGHEST_ADVERSE_RATING _Code="2" _Date="2019-08-01" _Type="Late30Days"/>
                    <_LATE_COUNT _30Days="01" _60Days="00" _90Days="00"/>
                    <_PAYMENT_PATTERN _Data="XXXXXXX1XXXX" _StartDate="2020-03-01"/>
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="401BB06364"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE038" BorrowerID="Borrower01" CreditFileID="EA01"
                                  CreditTradeReferenceID="Primary" _AccountIdentifier="6016756082"
                                  _AccountOpenedDate="2017-08-01" _AccountOwnershipType="Individual"
                                  _AccountReportedDate="2020-04-01" _AccountStatusType="Open" _AccountType="Installment"
                                  _DerogatoryDataIndicator="N" _HighBalanceAmount="3575" _HighCreditAmount="3575"
                                  _LastActivityDate="2019-06-01" _MonthlyPaymentAmount="158" _MonthsReviewedCount="31"
                                  _TermsDescription="M$158" _TermsSourceType="Provided" _UnpaidBalanceAmount=""
                                  CreditBusinessType="Banking" IsMortgageIndicator="N" IsClosedIndicator="Y"
                                  IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="UNITED BANK" _StreetAddress="P.O. BOX 160" _City="BARNESVILLE" _State="GA"
                               _PostalCode="30204">
                        <CONTACT_DETAIL>
                            <CONTACT_POINT _Type="Phone" _Value="7703580417"/>
                        </CONTACT_DETAIL>
                    </_CREDITOR>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="401BB06364"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE039" BorrowerID="Borrower01" CreditFileID="EA01"
                                  CreditTradeReferenceID="Primary" _AccountIdentifier="6017845002"
                                  _AccountOpenedDate="2018-03-01" _AccountOwnershipType="Individual"
                                  _AccountReportedDate="2019-06-01" _AccountStatusType="Closed"
                                  _AccountType="Installment" _DerogatoryDataIndicator="N" _HighBalanceAmount="1575"
                                  _HighCreditAmount="1575" _LastActivityDate="2019-05-01" _MonthlyPaymentAmount="0"
                                  _MonthsReviewedCount="14" _TermsMonthsCount="14" _TermsDescription="14M"
                                  _TermsSourceType="Provided" _UnpaidBalanceAmount="0" CreditBusinessType="Banking"
                                  IsMortgageIndicator="N" IsClosedIndicator="Y" IsCollectionIndicator="N"
                                  IsChargeoffIndicator="N">
                    <_CREDITOR _Name="UNITED BANK" _StreetAddress="P.O. BOX 160" _City="BARNESVILLE" _State="GA"
                               _PostalCode="30204">
                        <CONTACT_DETAIL>
                            <CONTACT_POINT _Type="Phone" _Value="7703580417"/>
                        </CONTACT_DETAIL>
                    </_CREDITOR>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
                    <CREDIT_COMMENT _SourceType="Equifax" _Type="BureauRemarks" _Code="FA">
                        <_Text>CLOSED OR PAID ACCOUNT/ZERO BALANCE</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="401BB06364"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE040" BorrowerID="Borrower01" CreditFileID="EA01"
                                  CreditTradeReferenceID="Primary" _AccountIdentifier="6014501402"
                                  _AccountOpenedDate="2016-10-01" _AccountOwnershipType="Individual"
                                  _AccountReportedDate="2018-01-01" _AccountStatusType="Closed"
                                  _AccountType="Installment" _DerogatoryDataIndicator="N" _HighBalanceAmount="1575"
                                  _HighCreditAmount="1575" _LastActivityDate="2018-01-01" _MonthlyPaymentAmount="0"
                                  _MonthsReviewedCount="14" _TermsMonthsCount="15" _TermsDescription="15M"
                                  _TermsSourceType="Provided" _UnpaidBalanceAmount="0" CreditBusinessType="Banking"
                                  IsMortgageIndicator="N" IsClosedIndicator="Y" IsCollectionIndicator="N"
                                  IsChargeoffIndicator="N">
                    <_CREDITOR _Name="UNITED BANK" _StreetAddress="P.O. BOX 160" _City="BARNESVILLE" _State="GA"
                               _PostalCode="30204">
                        <CONTACT_DETAIL>
                            <CONTACT_POINT _Type="Phone" _Value="7703580417"/>
                        </CONTACT_DETAIL>
                    </_CREDITOR>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
                    <CREDIT_COMMENT _SourceType="Equifax" _Type="BureauRemarks" _Code="FA">
                        <_Text>CLOSED OR PAID ACCOUNT/ZERO BALANCE</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="401BB06364"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE041" BorrowerID="Borrower01" CreditFileID="EA01"
                                  CreditTradeReferenceID="Primary" _AccountIdentifier="40015604611"
                                  _AccountOpenedDate="2014-11-01" _AccountOwnershipType="Individual"
                                  _AccountReportedDate="2017-12-01" _AccountStatusType="Closed"
                                  _AccountType="Installment" _DerogatoryDataIndicator="N" _HighBalanceAmount="10091"
                                  _HighCreditAmount="10091" _LastActivityDate="2017-12-01" _MonthlyPaymentAmount="0"
                                  _MonthsReviewedCount="36" _TermsMonthsCount="36" _TermsDescription="36M"
                                  _TermsSourceType="Provided" _UnpaidBalanceAmount="0" CreditBusinessType="Banking"
                                  IsMortgageIndicator="N" IsClosedIndicator="Y" IsCollectionIndicator="N"
                                  IsChargeoffIndicator="N">
                    <_CREDITOR _Name="UNITED BANK" _StreetAddress="P.O. BOX 160" _City="BARNESVILLE" _State="GA"
                               _PostalCode="30204">
                        <CONTACT_DETAIL>
                            <CONTACT_POINT _Type="Phone" _Value="7703580417"/>
                        </CONTACT_DETAIL>
                    </_CREDITOR>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
                    <CREDIT_COMMENT _SourceType="Equifax" _Type="BureauRemarks" _Code="FA">
                        <_Text>CLOSED OR PAID ACCOUNT/ZERO BALANCE</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="401BB06364"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE042" BorrowerID="Borrower01" CreditFileID="EA01"
                                  CreditTradeReferenceID="Primary" _AccountIdentifier="40010167789"
                                  _AccountOpenedDate="2012-09-01" _AccountOwnershipType="Individual"
                                  _AccountReportedDate="2015-05-01" _AccountStatusType="Closed"
                                  _AccountType="Installment" _DerogatoryDataIndicator="N" _HighBalanceAmount="5045"
                                  _HighCreditAmount="5045" _LastActivityDate="2015-04-01" _MonthsReviewedCount="23"
                                  _TermsMonthsCount="30" _TermsDescription="30M" _TermsSourceType="Provided"
                                  _UnpaidBalanceAmount="" CreditBusinessType="Banking" IsMortgageIndicator="N"
                                  IsClosedIndicator="Y" IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="UNITED BANK" _StreetAddress="P.O. BOX 160" _City="BARNESVILLE" _State="GA"
                               _PostalCode="30204">
                        <CONTACT_DETAIL>
                            <CONTACT_POINT _Type="Phone" _Value="7703580417"/>
                        </CONTACT_DETAIL>
                    </_CREDITOR>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="00" _60Days="00" _90Days="00"/>
                    <CREDIT_COMMENT _SourceType="Equifax" _Type="BureauRemarks" _Code="CF">
                        <_Text>CLOSED ACCOUNT</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="401BB06364"/>
                </CREDIT_LIABILITY>
                <CREDIT_LIABILITY CreditLiabilityID="TRADE043" BorrowerID="Borrower01" CreditFileID="RA01"
                                  CreditTradeReferenceID="Primary" _AccountBalanceDate="2019-09-01"
                                  _AccountIdentifier="522813XXXX" _AccountOpenedDate="2017-05-10"
                                  _AccountOwnershipType="Individual" _AccountReportedDate="2019-09-01"
                                  _AccountStatusDate="2019-09-01" _AccountStatusType="Closed" _AccountType="Revolving"
                                  _DerogatoryDataIndicator="N" _CreditLimitAmount="1000" _HighBalanceAmount="963"
                                  _HighCreditAmount="963" _LastActivityDate="2019-09-01" _MonthsReviewedCount="23"
                                  _UnpaidBalanceAmount="" CreditBusinessType="Banking" CreditLoanType="CreditCard"
                                  CreditLoanTypeCode="" IsMortgageIndicator="N" IsClosedIndicator="Y"
                                  IsCollectionIndicator="N" IsChargeoffIndicator="N">
                    <_CREDITOR _Name="WELLS FARGO/WB/FTU"/>
                    <_CURRENT_RATING _Code="1" _Type="AsAgreed"/>
                    <_LATE_COUNT _30Days="0" _60Days="0" _90Days="0"/>
                    <_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2019-09-01"/>
                    <CREDIT_COMMENT _SourceType="Experian" _Type="BureauRemarks" _Code="19">
                        <_Text>ACCOUNT CLOSED AT CONSUMER'S REQUEST</_Text>
                    </CREDIT_COMMENT>
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_LIABILITY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY001" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="EQF SOFTWARE QUALITY" _Date="2021-06-28" CreditBusinessType="Banking"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="999BB05047"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY002" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="EQF SOFTWARE QUALITY" _Date="2021-06-28" CreditBusinessType="Banking"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="999BB05005"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY003" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="LENDMARK FINANCIAL S" _Date="2021-06-28" CreditBusinessType="Finance"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="999FP01083"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY004" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="LENDMARK FINANCIAL S" _Date="2021-06-28" CreditBusinessType="Finance"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="999FP01083"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY005" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="LENDMARK FINANCIAL S" _Date="2021-06-28" CreditBusinessType="Finance"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="999FP01083"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY006" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="EQF SOFTWARE QUALITY" _Date="2021-06-25" CreditBusinessType="Banking"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="999BB04990"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY007" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="EQF SOFTWARE QUALITY" _Date="2021-06-23" CreditBusinessType="Banking"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="999BB04990"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY008" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="EQF SOFTWARE QUALITY" _Date="2021-06-22" CreditBusinessType="Banking"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="999BB04990"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY009" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="CBCINNOVIS" _Date="2021-06-21" CreditBusinessType="MiscellaneousAndPublicRecord"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="999ZB04938"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY010" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="EQF SOFTWARE QUALITY" _Date="2021-06-21" CreditBusinessType="Banking"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="999BB04990"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY011" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="EQF SOFTWARE QUALITY" _Date="2021-06-20" CreditBusinessType="Clothing"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="999CG00348"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY012" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="EQF SOFTWARE QUALITY" _Date="2021-06-18" CreditBusinessType="Clothing"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="999CG00348"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY013" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="EQF SOFTWARE QUALITY" _Date="2021-06-17" CreditBusinessType="Clothing"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="999CG00348"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY014" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="EQF SOFTWARE QUALITY" _Date="2021-06-15" CreditBusinessType="Clothing"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="999CG00348"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY015" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="EQF SOFTWARE QUALITY" _Date="2021-06-15" CreditBusinessType="Banking"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="999BB04990"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY016" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="PARAMOUNT EQUITY MOR" _Date="2021-06-11" CreditBusinessType="Finance"
                                _PurposeType="SOFT">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="999FM01367"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY017" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="PARAMOUNT EQUITY MOR" _Date="2021-06-11"
                                CreditBusinessType="MiscellaneousAndPublicRecord" _PurposeType="SOFT">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="092ZD10727"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY018" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="CITICARD" _Date="2021-06-08" CreditBusinessType="Banking" _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="999BB12565"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY019" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="EQF SOFTWARE QUALITY" _Date="2021-06-07" CreditBusinessType="Clothing"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="999CG00355"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY020" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="EQF SOFTWARE QUALITY" _Date="2021-06-07" CreditBusinessType="Banking"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="999BB04990"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY021" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="EQF SOFTWARE QUALITY" _Date="2021-06-06" CreditBusinessType="Banking"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="999BB05054"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY022" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="EQF SOFTWARE QUALITY" _Date="2021-06-05" CreditBusinessType="Clothing"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="999CG00348"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY023" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="EQF SOFTWARE QUALITY" _Date="2021-06-02" CreditBusinessType="Clothing"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="999CG00413"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY024" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="CITICARD" _Date="2021-06-01" CreditBusinessType="Banking" _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="999BB12565"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY025" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="EQF SOFTWARE QUALITY" _Date="2021-04-21" CreditBusinessType="Clothing"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="999CG00348"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY026" BorrowerID="Borrower01" CreditFileID="RA01"
                                _Name="PEOPLES UNITED BANK" _Date="2020-12-12" CreditBusinessType="Finance"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Experian"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY027" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="BELLSOUTH MOBILITY," _StreetAddress="5600 GLENRIDGE DRIVE" _City="ATLANTA"
                                _State="GA" _PostalCode="303421357" _Date="2020-11-28"
                                CreditBusinessType="UtilitiesAndFuel" _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="401UT00271"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY028" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="TRI STAR MORTGAGE" _StreetAddress="1836 LAKE LUCERN RD" _City="LILBURN"
                                _State="GA" _PostalCode="30247" _Date="2020-11-20" CreditBusinessType="Finance"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="401FM12008"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY029" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="UNITED BANK" _StreetAddress="P.O. BOX 160" _City="BARNESVILLE" _State="GA"
                                _PostalCode="30204" _Date="2020-08-23" CreditBusinessType="Banking" _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="401BB06364"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY030" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="BANK OF AMERICA" _StreetAddress="P.O. BOX 22041" _City="GREENSBORO" _State="NC"
                                _PostalCode="27410" _Date="2020-08-21" CreditBusinessType="Banking" _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="815BB53780"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY031" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="CHASE MANHATTAN" _StreetAddress="802 DELAWARE AVENUE" _City="WILMINGTON"
                                _State="DE" _PostalCode="19801" _Date="2020-08-21" CreditBusinessType="Finance"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="682FZ00139"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY032" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="CUSTOMIZED AUTO CRED" _StreetAddress="540 WEST NORTHWEST HWY" _City="BARRINGTON"
                                _State="IL" _PostalCode="60010" _Date="2020-08-21" CreditBusinessType="Finance"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="404FA01000"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY033" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="GMFNANCIAL" _StreetAddress="PO BOX 181145" _City="ARLINGTON" _State="TX"
                                _PostalCode="760961145" _Date="2020-08-08" CreditBusinessType="Finance"
                                _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="682FA05581"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY034" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="FIRST NATIONAL BANK" _StreetAddress="318 S HILL ST" _City="GRIFFIN" _State="GA"
                                _PostalCode="30224" _Date="2020-06-27" CreditBusinessType="Banking" _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="401BB05689"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY035" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="FIRST NATIONAL BANK" _StreetAddress="318 S HILL ST" _City="GRIFFIN" _State="GA"
                                _PostalCode="30224" _Date="2020-05-14" CreditBusinessType="Banking" _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="401BB05689"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY036" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="BANK OF AMERICA" _StreetAddress="600 PEACHTREE ST" _City="ATLANTA" _State="GA"
                                _PostalCode="30302" _Date="2020-04-14" CreditBusinessType="Banking" _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="401BB05499"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY037" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="EQUIFAX UPDATE" _Date="2020-03-19" _PurposeType="SOFT">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="915AA00034"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY038" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="BELLSOUTH MOBILITY," _StreetAddress="5600 GLENRIDGE DRIVE" _City="ATLANTA"
                                _State="GA" _PostalCode="303421357" _Date="2020-03-03"
                                CreditBusinessType="UtilitiesAndFuel" _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="401UT00271"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY039" BorrowerID="Borrower01" CreditFileID="EA01" _Name="EQUIFAX"
                                _Date="2020-02-18" _PurposeType="SOFT">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="915AA00018"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY040" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="BANK OF AMERICA" _StreetAddress="1100 NORTH KING STREET" _City="NEWARK"
                                _State="DE" _PostalCode="197134217" _Date="2019-12-19"
                                CreditBusinessType="OilAndNationalCreditCards" _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="801ON01174"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY041" BorrowerID="Borrower01" CreditFileID="EA01"
                                _Name="JPMCB - CARD SERVICE" _StreetAddress="301 N WALNUT ST" _City="WILMINGTON"
                                _State="DE" _PostalCode="19801" _Date="2019-11-28"
                                CreditBusinessType="OilAndNationalCreditCards" _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="Equifax" _SubscriberCode="458ON07296"/>
                </CREDIT_INQUIRY>
                <CREDIT_INQUIRY CreditInquiryID="INQUIRY042" BorrowerID="Borrower01" CreditFileID="TA01" _Name="HSBC"
                                _StreetAddress="2700 SANDERS ROAD" _City="PROSPECT HEIGH" _State="IL"
                                _PostalCode="60070" _Date="2015-08-07" CreditBusinessType="Banking" _PurposeType="HARD">
                    <CREDIT_REPOSITORY _SourceType="TransUnion" _SubscriberCode="02382255"/>
                </CREDIT_INQUIRY>
                <CREDIT_FILE CreditFileID="TA01" BorrowerID="Borrower01" CreditScoreID="SCORE001"
                             CreditRepositorySourceType="TransUnion" _InfileDate="2021-08-03"
                             _ResultStatusType="FileReturned">
                    <_ALERT_MESSAGE _CategoryType="FACTAAddressDiscrepancy" _Type="Other"
                                    _TypeOtherDescription="Facta Address" _Code="1">
                        <_Text>FACTA ADDRESS MISMATCH ALERT, CURRENT ADDRESS INPUT DOES NOT MATCH FILE</_Text>
                    </_ALERT_MESSAGE>
                    <_BORROWER _UnparsedName="THOMAS D DEVOS" _FirstName="THOMAS" _MiddleName="D" _LastName="DEVOS"
                               _SSN="666023511">
                        <_RESIDENCE BorrowerResidencyType="Current" _StreetAddress="1206 E BEAR CREEK RD APT 110"
                                    _City="TUSCALOOSA" _State="AL" _PostalCode="35405"
                                    BorrowerResidencyDurationYears="6" _DateReported="2015-08-01"/>
                        <EMPLOYER _Name="TTL" CurrentEmploymentStartDate="2007-09-01" EmploymentCurrentIndicator="Y"
                                  EmploymentPositionDescription="SOFTWARE ENG" EmploymentReportedDate="2015-08-10"/>
                        <EMPLOYER _Name="DATAWORKS" EmploymentCurrentIndicator="N"
                                  EmploymentPositionDescription="THE BOSS" EmploymentReportedDate="2015-08-10"/>
                    </_BORROWER>
                </CREDIT_FILE>
                <CREDIT_FILE CreditFileID="RA01" BorrowerID="Borrower01" CreditScoreID="SCORE003"
                             CreditRepositorySourceType="Experian" _InfileDate="2021-08-03"
                             _ResultStatusType="FileReturned">
                    <_BORROWER _FirstName="THOMAS" _MiddleName="D" _LastName="DEVOS">
                        <_RESIDENCE BorrowerResidencyType="Current" _StreetAddress="1206 BEAR CREEK RD LOT 110"
                                    _City="TUSCALOOSA" _State="AL" _PostalCode="354058530" _DateReported="2014-02-21"/>
                        <EMPLOYER _Name="S N KATZ JEWELE" CurrentEmploymentStartDate="2009-10-18"
                                  EmploymentCurrentIndicator="Y" EmploymentReportedDate="2011-11-12"/>
                    </_BORROWER>
                </CREDIT_FILE>
                <CREDIT_FILE CreditFileID="EA01" BorrowerID="Borrower01" CreditScoreID="SCORE004"
                             CreditRepositorySourceType="Equifax" _InfileDate="2021-08-03"
                             _ResultStatusType="FileReturned">
                    <_BORROWER _UnparsedName="THOMAS D DEVOS" _BirthDate="1963-05-01" _FirstName="THOMAS"
                               _MiddleName="D" _LastName="DEVOS" _SSN="666023511">
                        <_RESIDENCE BorrowerResidencyType="Current" _StreetAddress="1206 BEAR CREEK E APT 110"
                                    _City="TUSCALOOSA" _State="AL" _PostalCode="35405"
                                    BorrowerResidencyDurationMonths="4" _DateReported="2021-06-12"/>
                        <EMPLOYER _Name="GXQ GHH VSULQJV" EmploymentCurrentIndicator="Y"
                                  EmploymentPositionDescription="VXSHUYLVRU"/>
                        <EMPLOYER _Name="VSULQJ LQF" EmploymentCurrentIndicator="N"
                                  EmploymentPositionDescription="WHFK"/>
                    </_BORROWER>
                </CREDIT_FILE>
                <CREDIT_SCORE CreditScoreID="SCORE001" BorrowerID="Borrower01" CreditFileID="TA01" _Date="2021-08-03"
                              CreditReportIdentifier="6-adab9d36-fe7a-4f3f-8" RiskBasedPricingPercent="52"
                              RiskBasedPricingMin="732" RiskBasedPricingMax="734" _ModelNameType="Other"
                              _ModelNameTypeOtherDescription="TransUnionVantageScore3.0" _Value="733"
                              CreditRepositorySourceType="TransUnion">
                    <_FACTOR _Code="97" _Text="You have too few credit accounts"/>
                    <_FACTOR _Code="12" _Text="The date that you opened your oldest account is too recent"/>
                    <_FACTOR _Code="30" _Text="Too few of your bankcard or other revolving accounts have high limits"/>
                    <_FACTOR _Code="85" _Text="You have too many inquiries on your credit report."/>
                </CREDIT_SCORE>
                <CREDIT_SCORE CreditScoreID="SCORE002" BorrowerID="Borrower01" CreditFileID="TA01" _Date="2021-08-03"
                              CreditReportIdentifier="6-adab9d36-fe7a-4f3f-8" RiskBasedPricingPercent="52"
                              RiskBasedPricingMin="732" RiskBasedPricingMax="734" _ModelNameType="Other"
                              _ModelNameTypeOtherDescription="TransUnionVantageScore3.0" _Value="733"
                              CreditRepositorySourceType="TransUnion">
                    <_FACTOR _Code="97" _Text="You have too few credit accounts"/>
                    <_FACTOR _Code="12" _Text="The date that you opened your oldest account is too recent"/>
                    <_FACTOR _Code="30" _Text="Too few of your bankcard or other revolving accounts have high limits"/>
                    <_FACTOR _Code="85" _Text="You have too many inquiries on your credit report."/>
                </CREDIT_SCORE>
                <CREDIT_SCORE CreditScoreID="SCORE003" BorrowerID="Borrower01" CreditFileID="RA01" _Date="2021-08-03"
                              CreditReportIdentifier="6-adab9d36-fe7a-4f3f-8" RiskBasedPricingPercent="50"
                              RiskBasedPricingMin="687" RiskBasedPricingMax="691" _ModelNameType="Other"
                              _ModelNameTypeOtherDescription="ExperianVantageScore3.0" _Value="688"
                              CreditRepositorySourceType="Experian">
                    <_FACTOR _Code="84"
                             _Text="The number of inquiries was also a factor, but effect was not significant"/>
                    <_FACTOR _Code="63" _Text="Lack of sufficient relevant real estate account information"/>
                    <_FACTOR _Code="39"
                             _Text="Available credit on your open bankcard or revolving accounts is too low"/>
                    <_FACTOR _Code="12" _Text="The date that you opened your oldest account is too recent"/>
                    <_FACTOR _Code="34" _Text="Total of all balances on bankcard or revolving accounts is too high"/>
                </CREDIT_SCORE>
                <CREDIT_SCORE CreditScoreID="SCORE004" BorrowerID="Borrower01" CreditFileID="EA01" _Date="2021-08-03"
                              CreditReportIdentifier="6-adab9d36-fe7a-4f3f-8" RiskBasedPricingPercent="22"
                              RiskBasedPricingMin="613" RiskBasedPricingMax="618" _ModelNameType="Other"
                              _ModelNameTypeOtherDescription="EquifaxVantageScore3.0" _Value="618"
                              CreditRepositorySourceType="Equifax">
                    <_FACTOR _Code="7" _Text="You have too many delinquent or derogatory accounts"/>
                    <_FACTOR _Code="72"
                             _Text="Too many installment accounts with a delinquent or derogatory payment status"/>
                    <_FACTOR _Code="12" _Text="The date that you opened your oldest account is too recent"/>
                    <_FACTOR _Code="85" _Text="You have too many inquiries on your credit report."/>
                </CREDIT_SCORE>
                <CREDIT_SUMMARY BorrowerID="Borrower01" _Name="Attributes">
                    <_DATA_SET _Name="Number of tradelines" _Value="43"/>
                    <_DATA_SET _Name="Average age of open tradelines" _Value="55"/>
                    <_DATA_SET _Name="Number of hard inquiries" _Value="38"/>
                    <_DATA_SET _Name="Number of payments" _Value="619"/>
                    <_DATA_SET _Name="Revolving utilization on open credit cards" _Value="40"/>
                    <_DATA_SET _Name="Total occurrences of minor delinqs" _Value="7"/>
                    <_DATA_SET _Name="Total number of major derogatory tradelines" _Value="1"/>
                    <_DATA_SET _Name="AT01S:Number of trades" _Value="42"/>
                    <_DATA_SET _Name="AT02S:Number of open trades" _Value="25"/>
                    <_DATA_SET _Name="AT06S:Number of trades opened in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="AT09S:Number of trades opened in past 24 months" _Value="8"/>
                    <_DATA_SET _Name="AT20S:Months since oldest trade opened" _Value="267"/>
                    <_DATA_SET _Name="AT28A:Total credit line of open trades verified in past 12 months"
                               _Value="130420"/>
                    <_DATA_SET
                            _Name="AT28B:Total credit line of open trades verified in past 12 months (excl mort and home equity)"
                            _Value="106469"/>
                    <_DATA_SET _Name="AT33A:Total balance of open trades verified in past 12 months" _Value="84148"/>
                    <_DATA_SET
                            _Name="AT33B:Total balance of open trades verified in past 12 months (excl mort and home equity)"
                            _Value="68263"/>
                    <_DATA_SET _Name="AT34A:Utilization for open trades verified in past 12 months" _Value="65"/>
                    <_DATA_SET
                            _Name="AT34B:Utilization for open trades verified in past 12 months (excl mort and home equity)"
                            _Value="64"/>
                    <_DATA_SET _Name="AT36S:Months since most recent delinquency" _Value="4"/>
                    <_DATA_SET _Name="AT57S:Total past due amount of open trades verified in past 12 months"
                               _Value="662"/>
                    <_DATA_SET _Name="AT103S:Percentage of satisfactory open trades to all open trades" _Value="92"/>
                    <_DATA_SET _Name="AT104S:Percentage of all trades opened in past 24 months to all trades"
                               _Value="19"/>
                    <_DATA_SET _Name="ATAP01:Total scheduled monthly payment for all trades verified in past 12 months"
                               _Value="2337"/>
                    <_DATA_SET _Name="AU28S:Total credit line of open auto trades verified in past 12 months"
                               _Value="8999"/>
                    <_DATA_SET _Name="AU33S:Total balance of open auto trades verified in past 12 months"
                               _Value="4196"/>
                    <_DATA_SET _Name="AU34S:Utilization for open auto trades verified in past 12 months" _Value="47"/>
                    <_DATA_SET _Name="AU57S:Total past due amount of open auto trades verified in past 12 months"
                               _Value="0"/>
                    <_DATA_SET _Name="BC02S:Number of open credit card trades" _Value="8"/>
                    <_DATA_SET _Name="BC06S:Number of credit card trades opened in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="BC102S:Average credit line of open credit card trades verified in past 12 months"
                               _Value="3863"/>
                    <_DATA_SET _Name="BC12S:Number of open credit card trades verified in past 12 months" _Value="8"/>
                    <_DATA_SET _Name="BC20S:Months since oldest credit card trade opened" _Value="96"/>
                    <_DATA_SET _Name="BC28S:Total credit line of open credit card trades verified in past 12 months"
                               _Value="30902"/>
                    <_DATA_SET
                            _Name="BC30S:Percentage of open credit card trades &gt; 50% of credit line verified in past 12 months"
                            _Value="21"/>
                    <_DATA_SET
                            _Name="BC31S:Percentage of open credit card trades &gt; 75% of credit line verified in past 12 months"
                            _Value="14"/>
                    <_DATA_SET _Name="BC33S:Total balance of open credit card trades verified in past 12 months"
                               _Value="12397"/>
                    <_DATA_SET _Name="BC34S:Utilization for open credit card trades verified in past 12 months"
                               _Value="40"/>
                    <_DATA_SET _Name="BC57S:Total past due amount of open credit card trades verified in past 12 months"
                               _Value="0"/>
                    <_DATA_SET _Name="CO04S:Months since most recent charged-off trade was first reported"
                               _Value="267"/>
                    <_DATA_SET _Name="FC04S:Months since most recent foreclosure trade was first reported"
                               _Value="N/A"/>
                    <_DATA_SET
                            _Name="G020S:Number of trades with maximum delinquency of 30 days past due in past 24 months"
                            _Value="2"/>
                    <_DATA_SET _Name="G051S:Percentage of trades ever delinquent" _Value="10"/>
                    <_DATA_SET _Name="G093S:Number of public records" _Value="-4"/>
                    <_DATA_SET _Name="G094S:Number of public record bankruptcies" _Value="-4"/>
                    <_DATA_SET _Name="G095S:Months since most recent public record" _Value="-4"/>
                    <_DATA_SET _Name="G103S:Months since most recent credit inquiry" _Value="2"/>
                    <_DATA_SET
                            _Name="G202A:Total open to buy of open trades verified in past 12 months (excl installs and morts)"
                            _Value="21548"/>
                    <_DATA_SET _Name="G215B:Number of non-medical third party collections with balance &gt; $0"
                               _Value="0"/>
                    <_DATA_SET _Name="G217S:Total past due amount of all trades verified in past 12 months"
                               _Value="662"/>
                    <_DATA_SET _Name="G218B:Number of trades verified in the past 12 months that are currently 30+ DPD"
                               _Value="1"/>
                    <_DATA_SET _Name="G224A:Number of 90 days past due or worse items ever (excluding medical colls)"
                               _Value="1"/>
                    <_DATA_SET _Name="G238S:Number of credit inquiries in past 12 months (excl coll inqs)" _Value="31"/>
                    <_DATA_SET _Name="G244S:Number of inquiries (includes duplicates) in past 12 months" _Value="31"/>
                    <_DATA_SET _Name="G250A:Number of 30 DPD or worse items ever (excluding medical colls)" _Value="4"/>
                    <_DATA_SET
                            _Name="G250B:Number of 30 DPD or worse items in the past 12 months (excluding medical colls)"
                            _Value="2"/>
                    <_DATA_SET
                            _Name="G250C:Number of 30 DPD or worse items in the past 24 months (excluding medical colls)"
                            _Value="3"/>
                    <_DATA_SET _Name="G251A:Number of 60 DPD or worse items ever (excluding medical colls)" _Value="1"/>
                    <_DATA_SET _Name="G302S:Worst rating on revolving trades in past 12 months" _Value="N/A"/>
                    <_DATA_SET _Name="G304S:Worst rating on installment trades in past 12 months" _Value="9"/>
                    <_DATA_SET _Name="G310S:Worst rating on all trades in past 12 months" _Value="9"/>
                    <_DATA_SET _Name="GB311:Indicates if bankruptcies have been filed" _Value="-4"/>
                    <_DATA_SET
                            _Name="HI57S:Total past due amount of open home equity loan trades verified in past 12 months"
                            _Value="N/A"/>
                    <_DATA_SET _Name="HR57S:Total past due amount of open HELOC trades verified in past 12 months"
                               _Value="N/A"/>
                    <_DATA_SET _Name="IN02S:Number of open installment trades" _Value="11"/>
                    <_DATA_SET _Name="IN06S:Number of installment trades opened in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="IN28S:Total credit line of open installment trades verified in past 12 months"
                               _Value="96008"/>
                    <_DATA_SET _Name="IN33S:Total balance of open installment trades verified in past 12 months"
                               _Value="71284"/>
                    <_DATA_SET _Name="IN34S:Utilization for open installment trades verified in past 12 months"
                               _Value="74"/>
                    <_DATA_SET _Name="IN36S:Months since most recent installment delinquency" _Value="4"/>
                    <_DATA_SET _Name="IN57S:Total past due amount of open installment trades verified in past 12 months"
                               _Value="662"/>
                    <_DATA_SET _Name="MT02S:Number of open mortgage trades" _Value="1"/>
                    <_DATA_SET _Name="MT06S:Number of mortgage trades opened in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="MT28S:Total credit line of open mortgage trades verified in past 12 months"
                               _Value="23951"/>
                    <_DATA_SET _Name="MT33S:Total balance of open mortgage trades verified in past 12 months"
                               _Value="15885"/>
                    <_DATA_SET _Name="MT34S:Utilization for open mortgage trades verified in past 12 months"
                               _Value="66"/>
                    <_DATA_SET _Name="MT36S:Months since most recent mortgage delinquency" _Value="N/A"/>
                    <_DATA_SET _Name="MT57S:Total past due amount of open mortgage trades verified in past 12 months"
                               _Value="0"/>
                    <_DATA_SET _Name="RE02S:Number of open revolving trades" _Value="14"/>
                    <_DATA_SET _Name="RE06S:Number of revolving trades opened in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="RE12S:Number of open revolving trades verified in past 12 months" _Value="14"/>
                    <_DATA_SET _Name="RE20S:Months since oldest revolving trade opened" _Value="96"/>
                    <_DATA_SET _Name="RE21S:Months since most recent revolving trade opened" _Value="12"/>
                    <_DATA_SET _Name="RE28S:Total credit line of open revolving trades verified in past 12 months"
                               _Value="34412"/>
                    <_DATA_SET
                            _Name="RE30S:Percentage of open revolving trades &gt; 50% of credit line verified in past 12 months"
                            _Value="13"/>
                    <_DATA_SET
                            _Name="RE31S:Percentage of open revolving trades &gt; 75% of credit line verified in past 12 months"
                            _Value="8"/>
                    <_DATA_SET _Name="RE33S:Total balance of open revolving trades verified in past 12 months"
                               _Value="12864"/>
                    <_DATA_SET _Name="RE34S:Utilization for open revolving trades verified in past 12 months"
                               _Value="37"/>
                    <_DATA_SET _Name="RE36S:Months since most recent revolving delinquency" _Value="44"/>
                    <_DATA_SET _Name="RE57S:Total past due amount of open revolving trades verified in past 12 months"
                               _Value="0"/>
                    <_DATA_SET _Name="RE102S:Average credit line of open revolving trades verified in past 12 months"
                               _Value="2458"/>
                    <_DATA_SET _Name="RP04S:Months since most recent repossession trade was first reported"
                               _Value="N/A"/>
                    <_DATA_SET _Name="S004S:Average number of months trades have been on file" _Value="56"/>
                    <_DATA_SET
                            _Name="S043S:Number of open trades &gt; 50% of credit line verified in 12 mons (excl installs and morts)"
                            _Value="13"/>
                    <_DATA_SET _Name="S061S:Months since most recent 60 or more days past due" _Value="67"/>
                    <_DATA_SET _Name="S062S:Months since most recent 90 or more days past due" _Value="67"/>
                    <_DATA_SET _Name="S068A:Number of third party collections" _Value="0"/>
                    <_DATA_SET
                            _Name="S114S:Number of deduped inquiries in past 6 months (excl auto and mortgage inquiries)"
                            _Value="23"/>
                    <_DATA_SET
                            _Name="S204A:Total balance of non-medical third party collections verified in past 12 months"
                            _Value="0"/>
                    <_DATA_SET _Name="S207A:Months since most recent tradeline bankruptcy" _Value="N/A"/>
                    <_DATA_SET _Name="S207S:Months since most recent public record bankruptcy" _Value="-4"/>
                    <_DATA_SET _Name="S209A:Months since most recent non-medical third party collection" _Value="N/A"/>
                    <_DATA_SET _Name="ST28S:Total credit line of open student loan trades verified in past 12 months"
                               _Value="0"/>
                    <_DATA_SET _Name="ST33S:Total balance of open student loan trades verified in past 12 months"
                               _Value="0"/>
                    <_DATA_SET _Name="ST34S:Utilization for open student loan trades verified in past 12 months"
                               _Value="N/A"/>
                    <_DATA_SET
                            _Name="ST57S:Total past due amount of open student loan trades verified in past 12 months"
                            _Value="N/A"/>
                    <_DATA_SET _Name="PT014:Total Scheduled Monthly Payment" _Value="2628"/>
                    <_DATA_SET _Name="PT016:Utilization on revolving trades" _Value="37"/>
                    <_DATA_SET _Name="PT017:Total balance on open revolving trades" _Value="12864"/>
                    <_DATA_SET _Name="PT019:Total Mortgage Monthly Payment" _Value="-5"/>
                    <_DATA_SET _Name="PT020:Total balance on open Mortgages" _Value="-5"/>
                    <_DATA_SET _Name="PT021:Total Monthly Automobile Payment" _Value="227"/>
                    <_DATA_SET _Name="PT022:Date of oldest trade" _Value="051999"/>
                    <_DATA_SET _Name="PT023:Months since infile created at bureau" _Value="2"/>
                    <_DATA_SET _Name="PT027:Total occurrances of delinquencies in past 12 months" _Value="3"/>
                    <_DATA_SET _Name="PT038:Number of Inquiries in past 6 months" _Value="23"/>
                    <_DATA_SET _Name="PT054:Total Credit Limit/High Credit on open tradelines" _Value="162685"/>
                    <_DATA_SET _Name="PT056:Total balance on all tradelines" _Value="84148"/>
                    <_DATA_SET _Name="PT063:Number of currently delinquent tradelines" _Value="1"/>
                    <_DATA_SET _Name="PT064:Number of currently delinquent revolving tradelines" _Value="0"/>
                    <_DATA_SET _Name="PT065:Number of currently delinquent installment tradelines" _Value="1"/>
                    <_DATA_SET _Name="PT068:Average balance on open tradelines" _Value="3366"/>
                    <_DATA_SET _Name="PT069:Number of Chargeoffs in past 12 months" _Value="0"/>
                    <_DATA_SET _Name="PT071:Total occurrances of delinquencies in the past 2 years" _Value="5"/>
                    <_DATA_SET _Name="PT072:Total occurrances of delinquencies in the past 30 days" _Value="0"/>
                    <_DATA_SET _Name="PT073:Total occurrances of delinquencies in the past 60 days" _Value="0"/>
                    <_DATA_SET _Name="PT074:Total occurrances of delinquencies in the past 7 years" _Value="7"/>
                    <_DATA_SET _Name="PT076:Date of oldest trade" _Value="051999"/>
                    <_DATA_SET _Name="PT079:Number of months since oldest installment tradeline opened" _Value="267"/>
                    <_DATA_SET _Name="PT080:Number of months since oldest revolving tradeline opened" _Value="96"/>
                    <_DATA_SET _Name="PT082:Number of months since most recent tradeline opened" _Value="8"/>
                    <_DATA_SET _Name="PT083:Number of mortgage trades" _Value="1"/>
                    <_DATA_SET _Name="PT088:Number of months since 90+ late or worse derogatory" _Value="4"/>
                    <_DATA_SET
                            _Name="PT089:Number of tradelines reported in past 2 months and currently 120 days past due"
                            _Value="0"/>
                    <_DATA_SET _Name="PT090:Number of tradelines currently 30 days past due" _Value="1"/>
                    <_DATA_SET _Name="PT091:Number of tradelines 90+ days past due in past 24 months" _Value="1"/>
                    <_DATA_SET _Name="PT092:Number of tradelines opened in past 12 months" _Value="3"/>
                    <_DATA_SET _Name="PT093:Percentage of tradelines never delinquent" _Value="90"/>
                    <_DATA_SET _Name="PT094:Number of tradelines ever 120 days past due" _Value="0"/>
                    <_DATA_SET _Name="PT095:Number of months since oldest bank installment tradeline" _Value="267"/>
                    <_DATA_SET _Name="PT103:Total credit limit/high credit on open installment tradelines"
                               _Value="128273"/>
                    <_DATA_SET _Name="PT104:Number of currently satisfactory tradelines" _Value="40"/>
                    <_DATA_SET _Name="PT105:Number of revolving tradelines" _Value="24"/>
                    <_DATA_SET _Name="PT110:Number of revolving tradelines opened in past 7 years" _Value="20"/>
                    <_DATA_SET _Name="PT111:Total credit limit/high credit on open revolving tradelines"
                               _Value="34412"/>
                    <_DATA_SET
                            _Name="PT112:Total available credit on open bankcard tradelines verified in the last 6 mons"
                            _Value="18505"/>
                    <_DATA_SET _Name="PT115:Percent of bankcard tradelines gt 75% of credit limit" _Value="14"/>
                    <_DATA_SET _Name="PT118:Total credit limit/high credit on open bankcard tradelines" _Value="30902"/>
                    <_DATA_SET _Name="PT119:Number of bankcard tradelines" _Value="14"/>
                    <_DATA_SET _Name="PT120:Number of months since most recent bankcard tradeline opened" _Value="12"/>
                    <_DATA_SET _Name="PT121:Number of bankcard tradelines opened in the past 6 months" _Value="0"/>
                    <_DATA_SET _Name="PT122:Number of bankcard tradelines never delinquent" _Value="13"/>
                    <_DATA_SET _Name="PT125:Number of months since most recent bankcard delinquency" _Value="44"/>
                    <_DATA_SET _Name="PT126:Percent utilization on bankcard tradelines" _Value="29"/>
                    <_DATA_SET _Name="PT129:Number of Public Records with amount gt 100" _Value="-4"/>
                    <_DATA_SET _Name="PT130:Number of Tax Liens" _Value="0"/>
                    <_DATA_SET _Name="PT132:Total amount on Collections" _Value="0"/>
                    <_DATA_SET _Name="PT133:Number of repossessions" _Value="0"/>
                    <_DATA_SET _Name="PT134:Number of foreclosures" _Value="0"/>
                    <_DATA_SET _Name="PT136:Number of Collections/Chargeoffs in past 24 months; excluding medical"
                               _Value="0"/>
                    <_DATA_SET _Name="PT137:Total amount on Collections in past 36 months; excluding medical"
                               _Value="0"/>
                    <_DATA_SET _Name="PT138:Number of tradelines active within the past 6 months" _Value="26"/>
                    <_DATA_SET _Name="PT139:Number of mortgage tradelines opened in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="PT140:Number of open installment tradelines opened within the past 24 months"
                               _Value="5"/>
                    <_DATA_SET
                            _Name="PT141:Total occurrances of 30 days late within the past 12 months on Mortgage trades"
                            _Value="0"/>
                    <_DATA_SET _Name="PT142:Number of mortgages passed due 30 days or more in the last 6 months"
                               _Value="0"/>
                    <_DATA_SET _Name="PT143:Total occurrances of 30 days late within the past 12 months" _Value="3"/>
                    <_DATA_SET _Name="PT144:Number of collections with amount gt 500" _Value="0"/>
                    <_DATA_SET _Name="PT145:Total balance on unsecured credit card tradelines" _Value="0"/>
                    <_DATA_SET _Name="PT146:Total balance on unsecured tradelines" _Value="0"/>
                    <_DATA_SET _Name="PT147:Total amount on Tax Liens filed within the past 36 months" _Value="-4"/>
                    <_DATA_SET _Name="PT148:Total amount on Judgements filed within the past 36 months" _Value="-4"/>
                    <_DATA_SET _Name="PT149:Number of Public Records filed in past 24 months" _Value="-4"/>
                    <_DATA_SET _Name="PT150:Number of non-federal Student Loan tradelines" _Value="2"/>
                    <_DATA_SET _Name="PT151:Number of repossessed auto loan tradelines" _Value="0"/>
                    <_DATA_SET _Name="PT153:Percent utilization on installment tradelines" _Value="46"/>
                    <_DATA_SET _Name="PT154:Number of revolving tradelines with balance gt 0" _Value="9"/>
                    <_DATA_SET _Name="PT155:Number of installment tradelines opened in past 12 months" _Value="2"/>
                    <_DATA_SET _Name="PT157:Number of revolving tradelines opened in past 12 months" _Value="1"/>
                    <_DATA_SET _Name="PT158:Number of revolving tradelines opened in past 24 months" _Value="2"/>
                    <_DATA_SET _Name="PT159:Number of credit union tradelines" _Value="1"/>
                    <_DATA_SET _Name="PT160:Percent utilization on all open tradelines" _Value="52"/>
                    <_DATA_SET _Name="PT162:Maximum balance on revolving tradelines" _Value="5444"/>
                    <_DATA_SET _Name="PT163:Number months since more recent installment tradeline opened" _Value="8"/>
                    <_DATA_SET _Name="PT165:Number of auto tradelines 30 days past due in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="PT166:Number of auto tradelines opened in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="PT167:Number of retail tradelines opened in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="PT168:Number of student loans opened in past 12 months" _Value="0"/>
                    <_DATA_SET _Name="PT174:Total amount on Collections; excluding medical" _Value="0"/>
                    <_DATA_SET _Name="PT175:Total amount on Tax Liens" _Value="-4"/>
                    <_DATA_SET _Name="PT176:Total amount on Judgements" _Value="-4"/>
                    <_DATA_SET _Name="PT177:Total credit limit on open credit card trades" _Value="30902"/>
                    <_DATA_SET _Name="PT178:Total credit limit on open retail trades" _Value="3510"/>
                    <_DATA_SET _Name="PT179:Total balance on open credit card trades" _Value="12397"/>
                    <_DATA_SET _Name="PT180:Total balance on open retail trades" _Value="467"/>
                    <_DATA_SET _Name="PT181:Age of oldest trade in months" _Value="267"/>
                    <_DATA_SET _Name="PT182:Total number of open credit card trades" _Value="8"/>
                    <_DATA_SET _Name="PT183:Total number of open retail trades" _Value="6"/>
                    <_DATA_SET _Name="PT184:Total number of trades ever delinquent" _Value="4"/>
                    <_DATA_SET _Name="PT185:Total number of tradelines delinquent in the last 6 months" _Value="1"/>
                    <_DATA_SET
                            _Name="PT186:Total number of installment tradelines 60 days late or worse in the last 6 months"
                            _Value="0"/>
                    <_DATA_SET _Name="PT187:Total balances on currently delinquent tradelines" _Value="4382"/>
                    <_DATA_SET _Name="PT188:Worst current status on any open tradeline" _Value="400"/>
                    <_DATA_SET _Name="PT189:Worst status in the past 12 months on any mortgage tradeline" _Value="1"/>
                    <_DATA_SET _Name="PT190:Total number of closed credit card trades" _Value="6"/>
                    <_DATA_SET _Name="PT191:Total number of closed installment trades" _Value="7"/>
                    <_DATA_SET _Name="PT192:Percent of revolving credit available" _Value="73"/>
                    <_DATA_SET _Name="PT193:Number of loans or credit cards applied for in past 24 months" _Value="37"/>
                    <_DATA_SET _Name="PT194:Number of Installment tradelines not delinquent within the last 24 months"
                               _Value="15"/>
                    <_DATA_SET _Name="PT195:Max credit limit on open bank credit cards" _Value="6900"/>
                    <_DATA_SET _Name="PT196:Number of collections with amount gt 0" _Value="0"/>
                    <_DATA_SET _Name="PT197:Total Number of delinquent credit card and retail trades in last 6 months"
                               _Value="0"/>
                    <_DATA_SET _Name="PT198:Total number of open credit card tradelines with utilization gt 90%"
                               _Value="1"/>
                    <_DATA_SET _Name="PT199:Total number of open retail tradelines with utilization gt 90%" _Value="3"/>
                    <_DATA_SET _Name="Deceased Indicator" _Value="N"/>
                    <_DATA_SET _Name="Public Record Info" _Value=""/>
                </CREDIT_SUMMARY>
                <CREDIT_SUMMARY BorrowerID="Borrower01" _Name="TransUnion Credit Summary">
                    <_DATA_SET _Name="Number of Public Records" _Value="000"/>
                    <_DATA_SET _Name="Number of Collections" _Value="000"/>
                    <_DATA_SET _Name="Number of Negative Trades" _Value="000"/>
                    <_DATA_SET _Name="Trades with any Historical Negative" _Value="000"/>
                    <_DATA_SET _Name="Occurrences of Historical Negatives" _Value="000"/>
                    <_DATA_SET _Name="Number of Trades" _Value="001"/>
                    <_DATA_SET _Name="Number of Revolving and Check Credit Trades" _Value="001"/>
                    <_DATA_SET _Name="Number of Installment Trades" _Value="000"/>
                    <_DATA_SET _Name="Number of Mortgage Trades" _Value="000"/>
                    <_DATA_SET _Name="Number of Open Trade Accounts" _Value="000"/>
                    <_DATA_SET _Name="Number of Inquiries" _Value="001"/>
                </CREDIT_SUMMARY>
                <CREDIT_SUMMARY_XPN BorrowerID="Borrower01" _Name="Attributes">
                    <_DATA_SET _Name="Number of tradelines" _Value="25"/>
                    <_DATA_SET _Name="Average age of open tradelines" _Value="55"/>
                    <_DATA_SET _Name="Number of hard inquiries" _Value="1"/>
                    <_DATA_SET _Name="Number of payments" _Value="611"/>
                    <_DATA_SET _Name="Revolving utilization on open credit cards" _Value="38"/>
                    <_DATA_SET _Name="Total occurrences of minor delinqs" _Value="0"/>
                    <_DATA_SET _Name="Total number of major derogatory tradelines" _Value="0"/>
                    <_DATA_SET _Name="AT01S:Number of trades" _Value="25"/>
                    <_DATA_SET _Name="AT02S:Number of open trades" _Value="12"/>
                    <_DATA_SET _Name="AT06S:Number of trades opened in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="AT09S:Number of trades opened in past 24 months" _Value="3"/>
                    <_DATA_SET _Name="AT20S:Months since oldest trade opened" _Value="96"/>
                    <_DATA_SET _Name="AT28A:Total credit line of open trades verified in past 12 months"
                               _Value="33279"/>
                    <_DATA_SET
                            _Name="AT28B:Total credit line of open trades verified in past 12 months (excl mort and home equity)"
                            _Value="33279"/>
                    <_DATA_SET _Name="AT33A:Total balance of open trades verified in past 12 months" _Value="11850"/>
                    <_DATA_SET
                            _Name="AT33B:Total balance of open trades verified in past 12 months (excl mort and home equity)"
                            _Value="11850"/>
                    <_DATA_SET _Name="AT34A:Utilization for open trades verified in past 12 months" _Value="36"/>
                    <_DATA_SET
                            _Name="AT34B:Utilization for open trades verified in past 12 months (excl mort and home equity)"
                            _Value="36"/>
                    <_DATA_SET _Name="AT36S:Months since most recent delinquency" _Value="N/A"/>
                    <_DATA_SET _Name="AT57S:Total past due amount of open trades verified in past 12 months"
                               _Value="0"/>
                    <_DATA_SET _Name="AT103S:Percentage of satisfactory open trades to all open trades" _Value="100"/>
                    <_DATA_SET _Name="AT104S:Percentage of all trades opened in past 24 months to all trades"
                               _Value="12"/>
                    <_DATA_SET _Name="ATAP01:Total scheduled monthly payment for all trades verified in past 12 months"
                               _Value="326"/>
                    <_DATA_SET _Name="AU28S:Total credit line of open auto trades verified in past 12 months"
                               _Value="0"/>
                    <_DATA_SET _Name="AU33S:Total balance of open auto trades verified in past 12 months" _Value="0"/>
                    <_DATA_SET _Name="AU34S:Utilization for open auto trades verified in past 12 months" _Value="N/A"/>
                    <_DATA_SET _Name="AU57S:Total past due amount of open auto trades verified in past 12 months"
                               _Value="N/A"/>
                    <_DATA_SET _Name="BC02S:Number of open credit card trades" _Value="7"/>
                    <_DATA_SET _Name="BC06S:Number of credit card trades opened in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="BC102S:Average credit line of open credit card trades verified in past 12 months"
                               _Value="4272"/>
                    <_DATA_SET _Name="BC12S:Number of open credit card trades verified in past 12 months" _Value="7"/>
                    <_DATA_SET _Name="BC20S:Months since oldest credit card trade opened" _Value="96"/>
                    <_DATA_SET _Name="BC28S:Total credit line of open credit card trades verified in past 12 months"
                               _Value="29902"/>
                    <_DATA_SET
                            _Name="BC30S:Percentage of open credit card trades &gt; 50% of credit line verified in past 12 months"
                            _Value="15"/>
                    <_DATA_SET
                            _Name="BC31S:Percentage of open credit card trades &gt; 75% of credit line verified in past 12 months"
                            _Value="8"/>
                    <_DATA_SET _Name="BC33S:Total balance of open credit card trades verified in past 12 months"
                               _Value="11383"/>
                    <_DATA_SET _Name="BC34S:Utilization for open credit card trades verified in past 12 months"
                               _Value="38"/>
                    <_DATA_SET _Name="BC57S:Total past due amount of open credit card trades verified in past 12 months"
                               _Value="0"/>
                    <_DATA_SET _Name="CO04S:Months since most recent charged-off trade was first reported"
                               _Value="N/A"/>
                    <_DATA_SET _Name="FC04S:Months since most recent foreclosure trade was first reported"
                               _Value="N/A"/>
                    <_DATA_SET
                            _Name="G020S:Number of trades with maximum delinquency of 30 days past due in past 24 months"
                            _Value="0"/>
                    <_DATA_SET _Name="G051S:Percentage of trades ever delinquent" _Value="0"/>
                    <_DATA_SET _Name="G093S:Number of public records" _Value="-4"/>
                    <_DATA_SET _Name="G094S:Number of public record bankruptcies" _Value="-4"/>
                    <_DATA_SET _Name="G095S:Months since most recent public record" _Value="-4"/>
                    <_DATA_SET _Name="G103S:Months since most recent credit inquiry" _Value="8"/>
                    <_DATA_SET
                            _Name="G202A:Total open to buy of open trades verified in past 12 months (excl installs and morts)"
                            _Value="21429"/>
                    <_DATA_SET _Name="G215B:Number of non-medical third party collections with balance &gt; $0"
                               _Value="0"/>
                    <_DATA_SET _Name="G217S:Total past due amount of all trades verified in past 12 months" _Value="0"/>
                    <_DATA_SET _Name="G218B:Number of trades verified in the past 12 months that are currently 30+ DPD"
                               _Value="0"/>
                    <_DATA_SET _Name="G224A:Number of 90 days past due or worse items ever (excluding medical colls)"
                               _Value="0"/>
                    <_DATA_SET _Name="G238S:Number of credit inquiries in past 12 months (excl coll inqs)" _Value="1"/>
                    <_DATA_SET _Name="G244S:Number of inquiries (includes duplicates) in past 12 months" _Value="1"/>
                    <_DATA_SET _Name="G250A:Number of 30 DPD or worse items ever (excluding medical colls)" _Value="0"/>
                    <_DATA_SET
                            _Name="G250B:Number of 30 DPD or worse items in the past 12 months (excluding medical colls)"
                            _Value="0"/>
                    <_DATA_SET
                            _Name="G250C:Number of 30 DPD or worse items in the past 24 months (excluding medical colls)"
                            _Value="0"/>
                    <_DATA_SET _Name="G251A:Number of 60 DPD or worse items ever (excluding medical colls)" _Value="0"/>
                    <_DATA_SET _Name="G302S:Worst rating on revolving trades in past 12 months" _Value="N/A"/>
                    <_DATA_SET _Name="G304S:Worst rating on installment trades in past 12 months" _Value="N/A"/>
                    <_DATA_SET _Name="G310S:Worst rating on all trades in past 12 months" _Value="N/A"/>
                    <_DATA_SET _Name="GB311:Indicates if bankruptcies have been filed" _Value="-4"/>
                    <_DATA_SET
                            _Name="HI57S:Total past due amount of open home equity loan trades verified in past 12 months"
                            _Value="N/A"/>
                    <_DATA_SET _Name="HR57S:Total past due amount of open HELOC trades verified in past 12 months"
                               _Value="N/A"/>
                    <_DATA_SET _Name="IN02S:Number of open installment trades" _Value="0"/>
                    <_DATA_SET _Name="IN06S:Number of installment trades opened in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="IN28S:Total credit line of open installment trades verified in past 12 months"
                               _Value="0"/>
                    <_DATA_SET _Name="IN33S:Total balance of open installment trades verified in past 12 months"
                               _Value="0"/>
                    <_DATA_SET _Name="IN34S:Utilization for open installment trades verified in past 12 months"
                               _Value="N/A"/>
                    <_DATA_SET _Name="IN36S:Months since most recent installment delinquency" _Value="N/A"/>
                    <_DATA_SET _Name="IN57S:Total past due amount of open installment trades verified in past 12 months"
                               _Value="N/A"/>
                    <_DATA_SET _Name="MT02S:Number of open mortgage trades" _Value="0"/>
                    <_DATA_SET _Name="MT06S:Number of mortgage trades opened in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="MT28S:Total credit line of open mortgage trades verified in past 12 months"
                               _Value="0"/>
                    <_DATA_SET _Name="MT33S:Total balance of open mortgage trades verified in past 12 months"
                               _Value="0"/>
                    <_DATA_SET _Name="MT34S:Utilization for open mortgage trades verified in past 12 months"
                               _Value="N/A"/>
                    <_DATA_SET _Name="MT36S:Months since most recent mortgage delinquency" _Value="N/A"/>
                    <_DATA_SET _Name="MT57S:Total past due amount of open mortgage trades verified in past 12 months"
                               _Value="N/A"/>
                    <_DATA_SET _Name="RE02S:Number of open revolving trades" _Value="12"/>
                    <_DATA_SET _Name="RE06S:Number of revolving trades opened in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="RE12S:Number of open revolving trades verified in past 12 months" _Value="12"/>
                    <_DATA_SET _Name="RE20S:Months since oldest revolving trade opened" _Value="96"/>
                    <_DATA_SET _Name="RE21S:Months since most recent revolving trade opened" _Value="12"/>
                    <_DATA_SET _Name="RE28S:Total credit line of open revolving trades verified in past 12 months"
                               _Value="33279"/>
                    <_DATA_SET
                            _Name="RE30S:Percentage of open revolving trades &gt; 50% of credit line verified in past 12 months"
                            _Value="9"/>
                    <_DATA_SET
                            _Name="RE31S:Percentage of open revolving trades &gt; 75% of credit line verified in past 12 months"
                            _Value="5"/>
                    <_DATA_SET _Name="RE33S:Total balance of open revolving trades verified in past 12 months"
                               _Value="11850"/>
                    <_DATA_SET _Name="RE34S:Utilization for open revolving trades verified in past 12 months"
                               _Value="36"/>
                    <_DATA_SET _Name="RE36S:Months since most recent revolving delinquency" _Value="N/A"/>
                    <_DATA_SET _Name="RE57S:Total past due amount of open revolving trades verified in past 12 months"
                               _Value="0"/>
                    <_DATA_SET _Name="RE102S:Average credit line of open revolving trades verified in past 12 months"
                               _Value="2773"/>
                    <_DATA_SET _Name="RP04S:Months since most recent repossession trade was first reported"
                               _Value="N/A"/>
                    <_DATA_SET _Name="S004S:Average number of months trades have been on file" _Value="55"/>
                    <_DATA_SET
                            _Name="S043S:Number of open trades &gt; 50% of credit line verified in 12 mons (excl installs and morts)"
                            _Value="9"/>
                    <_DATA_SET _Name="S061S:Months since most recent 60 or more days past due" _Value="N/A"/>
                    <_DATA_SET _Name="S062S:Months since most recent 90 or more days past due" _Value="N/A"/>
                    <_DATA_SET _Name="S068A:Number of third party collections" _Value="0"/>
                    <_DATA_SET
                            _Name="S114S:Number of deduped inquiries in past 6 months (excl auto and mortgage inquiries)"
                            _Value="0"/>
                    <_DATA_SET
                            _Name="S204A:Total balance of non-medical third party collections verified in past 12 months"
                            _Value="0"/>
                    <_DATA_SET _Name="S207A:Months since most recent tradeline bankruptcy" _Value="N/A"/>
                    <_DATA_SET _Name="S207S:Months since most recent public record bankruptcy" _Value="-4"/>
                    <_DATA_SET _Name="S209A:Months since most recent non-medical third party collection" _Value="N/A"/>
                    <_DATA_SET _Name="ST28S:Total credit line of open student loan trades verified in past 12 months"
                               _Value="0"/>
                    <_DATA_SET _Name="ST33S:Total balance of open student loan trades verified in past 12 months"
                               _Value="0"/>
                    <_DATA_SET _Name="ST34S:Utilization for open student loan trades verified in past 12 months"
                               _Value="N/A"/>
                    <_DATA_SET
                            _Name="ST57S:Total past due amount of open student loan trades verified in past 12 months"
                            _Value="N/A"/>
                    <_DATA_SET _Name="PT014:Total Scheduled Monthly Payment" _Value="326"/>
                    <_DATA_SET _Name="PT016:Utilization on revolving trades" _Value="36"/>
                    <_DATA_SET _Name="PT017:Total balance on open revolving trades" _Value="11850"/>
                    <_DATA_SET _Name="PT019:Total Mortgage Monthly Payment" _Value="-5"/>
                    <_DATA_SET _Name="PT020:Total balance on open Mortgages" _Value="-5"/>
                    <_DATA_SET _Name="PT021:Total Monthly Automobile Payment" _Value="-5"/>
                    <_DATA_SET _Name="PT022:Date of oldest trade" _Value="082013"/>
                    <_DATA_SET _Name="PT023:Months since infile created at bureau" _Value="2"/>
                    <_DATA_SET _Name="PT027:Total occurrances of delinquencies in past 12 months" _Value="0"/>
                    <_DATA_SET _Name="PT038:Number of Inquiries in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="PT054:Total Credit Limit/High Credit on open tradelines" _Value="33279"/>
                    <_DATA_SET _Name="PT056:Total balance on all tradelines" _Value="11850"/>
                    <_DATA_SET _Name="PT063:Number of currently delinquent tradelines" _Value="0"/>
                    <_DATA_SET _Name="PT064:Number of currently delinquent revolving tradelines" _Value="0"/>
                    <_DATA_SET _Name="PT065:Number of currently delinquent installment tradelines" _Value="0"/>
                    <_DATA_SET _Name="PT068:Average balance on open tradelines" _Value="988"/>
                    <_DATA_SET _Name="PT069:Number of Chargeoffs in past 12 months" _Value="0"/>
                    <_DATA_SET _Name="PT071:Total occurrances of delinquencies in the past 2 years" _Value="0"/>
                    <_DATA_SET _Name="PT072:Total occurrances of delinquencies in the past 30 days" _Value="0"/>
                    <_DATA_SET _Name="PT073:Total occurrances of delinquencies in the past 60 days" _Value="0"/>
                    <_DATA_SET _Name="PT074:Total occurrances of delinquencies in the past 7 years" _Value="0"/>
                    <_DATA_SET _Name="PT076:Date of oldest trade" _Value="082013"/>
                    <_DATA_SET _Name="PT079:Number of months since oldest installment tradeline opened" _Value="72"/>
                    <_DATA_SET _Name="PT080:Number of months since oldest revolving tradeline opened" _Value="96"/>
                    <_DATA_SET _Name="PT082:Number of months since most recent tradeline opened" _Value="10"/>
                    <_DATA_SET _Name="PT083:Number of mortgage trades" _Value="0"/>
                    <_DATA_SET _Name="PT088:Number of months since 90+ late or worse derogatory" _Value="-5"/>
                    <_DATA_SET
                            _Name="PT089:Number of tradelines reported in past 2 months and currently 120 days past due"
                            _Value="0"/>
                    <_DATA_SET _Name="PT090:Number of tradelines currently 30 days past due" _Value="0"/>
                    <_DATA_SET _Name="PT091:Number of tradelines 90+ days past due in past 24 months" _Value="0"/>
                    <_DATA_SET _Name="PT092:Number of tradelines opened in past 12 months" _Value="2"/>
                    <_DATA_SET _Name="PT093:Percentage of tradelines never delinquent" _Value="100"/>
                    <_DATA_SET _Name="PT094:Number of tradelines ever 120 days past due" _Value="0"/>
                    <_DATA_SET _Name="PT095:Number of months since oldest bank installment tradeline" _Value="72"/>
                    <_DATA_SET _Name="PT103:Total credit limit/high credit on open installment tradelines" _Value="0"/>
                    <_DATA_SET _Name="PT104:Number of currently satisfactory tradelines" _Value="25"/>
                    <_DATA_SET _Name="PT105:Number of revolving tradelines" _Value="22"/>
                    <_DATA_SET _Name="PT110:Number of revolving tradelines opened in past 7 years" _Value="18"/>
                    <_DATA_SET _Name="PT111:Total credit limit/high credit on open revolving tradelines"
                               _Value="33279"/>
                    <_DATA_SET
                            _Name="PT112:Total available credit on open bankcard tradelines verified in the last 6 mons"
                            _Value="18519"/>
                    <_DATA_SET _Name="PT115:Percent of bankcard tradelines gt 75% of credit limit" _Value="8"/>
                    <_DATA_SET _Name="PT118:Total credit limit/high credit on open bankcard tradelines" _Value="29902"/>
                    <_DATA_SET _Name="PT119:Number of bankcard tradelines" _Value="13"/>
                    <_DATA_SET _Name="PT120:Number of months since most recent bankcard tradeline opened" _Value="12"/>
                    <_DATA_SET _Name="PT121:Number of bankcard tradelines opened in the past 6 months" _Value="0"/>
                    <_DATA_SET _Name="PT122:Number of bankcard tradelines never delinquent" _Value="13"/>
                    <_DATA_SET _Name="PT125:Number of months since most recent bankcard delinquency" _Value="-5"/>
                    <_DATA_SET _Name="PT126:Percent utilization on bankcard tradelines" _Value="27"/>
                    <_DATA_SET _Name="PT129:Number of Public Records with amount gt 100" _Value="-4"/>
                    <_DATA_SET _Name="PT130:Number of Tax Liens" _Value="0"/>
                    <_DATA_SET _Name="PT132:Total amount on Collections" _Value="0"/>
                    <_DATA_SET _Name="PT133:Number of repossessions" _Value="0"/>
                    <_DATA_SET _Name="PT134:Number of foreclosures" _Value="0"/>
                    <_DATA_SET _Name="PT136:Number of Collections/Chargeoffs in past 24 months; excluding medical"
                               _Value="0"/>
                    <_DATA_SET _Name="PT137:Total amount on Collections in past 36 months; excluding medical"
                               _Value="0"/>
                    <_DATA_SET _Name="PT138:Number of tradelines active within the past 6 months" _Value="17"/>
                    <_DATA_SET _Name="PT139:Number of mortgage tradelines opened in past 6 months" _Value="-5"/>
                    <_DATA_SET _Name="PT140:Number of open installment tradelines opened within the past 24 months"
                               _Value="0"/>
                    <_DATA_SET
                            _Name="PT141:Total occurrances of 30 days late within the past 12 months on Mortgage trades"
                            _Value="-5"/>
                    <_DATA_SET _Name="PT142:Number of mortgages passed due 30 days or more in the last 6 months"
                               _Value="-5"/>
                    <_DATA_SET _Name="PT143:Total occurrances of 30 days late within the past 12 months" _Value="0"/>
                    <_DATA_SET _Name="PT144:Number of collections with amount gt 500" _Value="0"/>
                    <_DATA_SET _Name="PT145:Total balance on unsecured credit card tradelines" _Value="0"/>
                    <_DATA_SET _Name="PT146:Total balance on unsecured tradelines" _Value="0"/>
                    <_DATA_SET _Name="PT147:Total amount on Tax Liens filed within the past 36 months" _Value="-4"/>
                    <_DATA_SET _Name="PT148:Total amount on Judgements filed within the past 36 months" _Value="-4"/>
                    <_DATA_SET _Name="PT149:Number of Public Records filed in past 24 months" _Value="-4"/>
                    <_DATA_SET _Name="PT150:Number of non-federal Student Loan tradelines" _Value="2"/>
                    <_DATA_SET _Name="PT151:Number of repossessed auto loan tradelines" _Value="-5"/>
                    <_DATA_SET _Name="PT153:Percent utilization on installment tradelines" _Value="0"/>
                    <_DATA_SET _Name="PT154:Number of revolving tradelines with balance gt 0" _Value="8"/>
                    <_DATA_SET _Name="PT155:Number of installment tradelines opened in past 12 months" _Value="1"/>
                    <_DATA_SET _Name="PT157:Number of revolving tradelines opened in past 12 months" _Value="1"/>
                    <_DATA_SET _Name="PT158:Number of revolving tradelines opened in past 24 months" _Value="2"/>
                    <_DATA_SET _Name="PT159:Number of credit union tradelines" _Value="1"/>
                    <_DATA_SET _Name="PT160:Percent utilization on all open tradelines" _Value="36"/>
                    <_DATA_SET _Name="PT162:Maximum balance on revolving tradelines" _Value="5444"/>
                    <_DATA_SET _Name="PT163:Number months since more recent installment tradeline opened" _Value="10"/>
                    <_DATA_SET _Name="PT165:Number of auto tradelines 30 days past due in past 6 months" _Value="-5"/>
                    <_DATA_SET _Name="PT166:Number of auto tradelines opened in past 6 months" _Value="-5"/>
                    <_DATA_SET _Name="PT167:Number of retail tradelines opened in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="PT168:Number of student loans opened in past 12 months" _Value="0"/>
                    <_DATA_SET _Name="PT174:Total amount on Collections; excluding medical" _Value="0"/>
                    <_DATA_SET _Name="PT175:Total amount on Tax Liens" _Value="-4"/>
                    <_DATA_SET _Name="PT176:Total amount on Judgements" _Value="-4"/>
                    <_DATA_SET _Name="PT177:Total credit limit on open credit card trades" _Value="29902"/>
                    <_DATA_SET _Name="PT178:Total credit limit on open retail trades" _Value="3377"/>
                    <_DATA_SET _Name="PT179:Total balance on open credit card trades" _Value="11383"/>
                    <_DATA_SET _Name="PT180:Total balance on open retail trades" _Value="467"/>
                    <_DATA_SET _Name="PT181:Age of oldest trade in months" _Value="96"/>
                    <_DATA_SET _Name="PT182:Total number of open credit card trades" _Value="7"/>
                    <_DATA_SET _Name="PT183:Total number of open retail trades" _Value="5"/>
                    <_DATA_SET _Name="PT184:Total number of trades ever delinquent" _Value="0"/>
                    <_DATA_SET _Name="PT185:Total number of tradelines delinquent in the last 6 months" _Value="0"/>
                    <_DATA_SET
                            _Name="PT186:Total number of installment tradelines 60 days late or worse in the last 6 months"
                            _Value="0"/>
                    <_DATA_SET _Name="PT187:Total balances on currently delinquent tradelines" _Value="0"/>
                    <_DATA_SET _Name="PT188:Worst current status on any open tradeline" _Value="0"/>
                    <_DATA_SET _Name="PT189:Worst status in the past 12 months on any mortgage tradeline" _Value="0"/>
                    <_DATA_SET _Name="PT190:Total number of closed credit card trades" _Value="6"/>
                    <_DATA_SET _Name="PT191:Total number of closed installment trades" _Value="3"/>
                    <_DATA_SET _Name="PT192:Percent of revolving credit available" _Value="74"/>
                    <_DATA_SET _Name="PT193:Number of loans or credit cards applied for in past 24 months" _Value="1"/>
                    <_DATA_SET _Name="PT194:Number of Installment tradelines not delinquent within the last 24 months"
                               _Value="3"/>
                    <_DATA_SET _Name="PT195:Max credit limit on open bank credit cards" _Value="6900"/>
                    <_DATA_SET _Name="PT196:Number of collections with amount gt 0" _Value="0"/>
                    <_DATA_SET _Name="PT197:Total Number of delinquent credit card and retail trades in last 6 months"
                               _Value="0"/>
                    <_DATA_SET _Name="PT198:Total number of open credit card tradelines with utilization gt 90%"
                               _Value="0"/>
                    <_DATA_SET _Name="PT199:Total number of open retail tradelines with utilization gt 90%" _Value="0"/>
                    <_DATA_SET _Name="Deceased Indicator" _Value="N"/>
                    <_DATA_SET _Name="Public Record Info" _Value=""/>
                </CREDIT_SUMMARY_XPN>
                <CREDIT_SUMMARY_TUI BorrowerID="Borrower01" _Name="Attributes">
                    <_DATA_SET _Name="Number of tradelines" _Value="1"/>
                    <_DATA_SET _Name="Average age of open tradelines" _Value="N/A"/>
                    <_DATA_SET _Name="Number of hard inquiries" _Value="1"/>
                    <_DATA_SET _Name="Number of payments" _Value="1"/>
                    <_DATA_SET _Name="Revolving utilization on open credit cards" _Value="N/A"/>
                    <_DATA_SET _Name="Total occurrences of minor delinqs" _Value="0"/>
                    <_DATA_SET _Name="Total number of major derogatory tradelines" _Value="0"/>
                    <_DATA_SET _Name="AT01S:Number of trades" _Value="0"/>
                    <_DATA_SET _Name="AT02S:Number of open trades" _Value="-4"/>
                    <_DATA_SET _Name="AT06S:Number of trades opened in past 6 months" _Value="-4"/>
                    <_DATA_SET _Name="AT09S:Number of trades opened in past 24 months" _Value="-4"/>
                    <_DATA_SET _Name="AT20S:Months since oldest trade opened" _Value="-4"/>
                    <_DATA_SET _Name="AT28A:Total credit line of open trades verified in past 12 months" _Value="-4"/>
                    <_DATA_SET
                            _Name="AT28B:Total credit line of open trades verified in past 12 months (excl mort and home equity)"
                            _Value="-4"/>
                    <_DATA_SET _Name="AT33A:Total balance of open trades verified in past 12 months" _Value="-4"/>
                    <_DATA_SET
                            _Name="AT33B:Total balance of open trades verified in past 12 months (excl mort and home equity)"
                            _Value="-4"/>
                    <_DATA_SET _Name="AT34A:Utilization for open trades verified in past 12 months" _Value="N/A"/>
                    <_DATA_SET
                            _Name="AT34B:Utilization for open trades verified in past 12 months (excl mort and home equity)"
                            _Value="-4"/>
                    <_DATA_SET _Name="AT36S:Months since most recent delinquency" _Value="-4"/>
                    <_DATA_SET _Name="AT57S:Total past due amount of open trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET _Name="AT103S:Percentage of satisfactory open trades to all open trades" _Value="-4"/>
                    <_DATA_SET _Name="AT104S:Percentage of all trades opened in past 24 months to all trades"
                               _Value="-4"/>
                    <_DATA_SET _Name="ATAP01:Total scheduled monthly payment for all trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET _Name="AU28S:Total credit line of open auto trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET _Name="AU33S:Total balance of open auto trades verified in past 12 months" _Value="-4"/>
                    <_DATA_SET _Name="AU34S:Utilization for open auto trades verified in past 12 months" _Value="-4"/>
                    <_DATA_SET _Name="AU57S:Total past due amount of open auto trades verified in past 12 months"
                               _Value="N/A"/>
                    <_DATA_SET _Name="BC02S:Number of open credit card trades" _Value="-4"/>
                    <_DATA_SET _Name="BC06S:Number of credit card trades opened in past 6 months" _Value="-4"/>
                    <_DATA_SET _Name="BC102S:Average credit line of open credit card trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET _Name="BC12S:Number of open credit card trades verified in past 12 months" _Value="-4"/>
                    <_DATA_SET _Name="BC20S:Months since oldest credit card trade opened" _Value="-4"/>
                    <_DATA_SET _Name="BC28S:Total credit line of open credit card trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET
                            _Name="BC30S:Percentage of open credit card trades &gt; 50% of credit line verified in past 12 months"
                            _Value="-4"/>
                    <_DATA_SET
                            _Name="BC31S:Percentage of open credit card trades &gt; 75% of credit line verified in past 12 months"
                            _Value="-4"/>
                    <_DATA_SET _Name="BC33S:Total balance of open credit card trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET _Name="BC34S:Utilization for open credit card trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET _Name="BC57S:Total past due amount of open credit card trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET _Name="CO04S:Months since most recent charged-off trade was first reported" _Value="-4"/>
                    <_DATA_SET _Name="FC04S:Months since most recent foreclosure trade was first reported" _Value="-4"/>
                    <_DATA_SET
                            _Name="G020S:Number of trades with maximum delinquency of 30 days past due in past 24 months"
                            _Value="-4"/>
                    <_DATA_SET _Name="G051S:Percentage of trades ever delinquent" _Value="-4"/>
                    <_DATA_SET _Name="G093S:Number of public records" _Value="-4"/>
                    <_DATA_SET _Name="G094S:Number of public record bankruptcies" _Value="-4"/>
                    <_DATA_SET _Name="G095S:Months since most recent public record" _Value="-4"/>
                    <_DATA_SET _Name="G103S:Months since most recent credit inquiry" _Value="72"/>
                    <_DATA_SET
                            _Name="G202A:Total open to buy of open trades verified in past 12 months (excl installs and morts)"
                            _Value="-4"/>
                    <_DATA_SET _Name="G215B:Number of non-medical third party collections with balance &gt; $0"
                               _Value="-4"/>
                    <_DATA_SET _Name="G217S:Total past due amount of all trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET _Name="G218B:Number of trades verified in the past 12 months that are currently 30+ DPD"
                               _Value="-4"/>
                    <_DATA_SET _Name="G224A:Number of 90 days past due or worse items ever (excluding medical colls)"
                               _Value="0"/>
                    <_DATA_SET _Name="G238S:Number of credit inquiries in past 12 months (excl coll inqs)" _Value="0"/>
                    <_DATA_SET _Name="G244S:Number of inquiries (includes duplicates) in past 12 months" _Value="0"/>
                    <_DATA_SET _Name="G250A:Number of 30 DPD or worse items ever (excluding medical colls)"
                               _Value="-4"/>
                    <_DATA_SET
                            _Name="G250B:Number of 30 DPD or worse items in the past 12 months (excluding medical colls)"
                            _Value="-4"/>
                    <_DATA_SET
                            _Name="G250C:Number of 30 DPD or worse items in the past 24 months (excluding medical colls)"
                            _Value="-4"/>
                    <_DATA_SET _Name="G251A:Number of 60 DPD or worse items ever (excluding medical colls)" _Value="0"/>
                    <_DATA_SET _Name="G302S:Worst rating on revolving trades in past 12 months" _Value="-4"/>
                    <_DATA_SET _Name="G304S:Worst rating on installment trades in past 12 months" _Value="-4"/>
                    <_DATA_SET _Name="G310S:Worst rating on all trades in past 12 months" _Value="-4"/>
                    <_DATA_SET _Name="GB311:Indicates if bankruptcies have been filed" _Value="-4"/>
                    <_DATA_SET
                            _Name="HI57S:Total past due amount of open home equity loan trades verified in past 12 months"
                            _Value="-4"/>
                    <_DATA_SET _Name="HR57S:Total past due amount of open HELOC trades verified in past 12 months"
                               _Value="N/A"/>
                    <_DATA_SET _Name="IN02S:Number of open installment trades" _Value="-4"/>
                    <_DATA_SET _Name="IN06S:Number of installment trades opened in past 6 months" _Value="-4"/>
                    <_DATA_SET _Name="IN28S:Total credit line of open installment trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET _Name="IN33S:Total balance of open installment trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET _Name="IN34S:Utilization for open installment trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET _Name="IN36S:Months since most recent installment delinquency" _Value="-4"/>
                    <_DATA_SET _Name="IN57S:Total past due amount of open installment trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET _Name="MT02S:Number of open mortgage trades" _Value="-4"/>
                    <_DATA_SET _Name="MT06S:Number of mortgage trades opened in past 6 months" _Value="-4"/>
                    <_DATA_SET _Name="MT28S:Total credit line of open mortgage trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET _Name="MT33S:Total balance of open mortgage trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET _Name="MT34S:Utilization for open mortgage trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET _Name="MT36S:Months since most recent mortgage delinquency" _Value="-4"/>
                    <_DATA_SET _Name="MT57S:Total past due amount of open mortgage trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET _Name="RE02S:Number of open revolving trades" _Value="-4"/>
                    <_DATA_SET _Name="RE06S:Number of revolving trades opened in past 6 months" _Value="-4"/>
                    <_DATA_SET _Name="RE12S:Number of open revolving trades verified in past 12 months" _Value="-4"/>
                    <_DATA_SET _Name="RE20S:Months since oldest revolving trade opened" _Value="-4"/>
                    <_DATA_SET _Name="RE21S:Months since most recent revolving trade opened" _Value="-4"/>
                    <_DATA_SET _Name="RE28S:Total credit line of open revolving trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET
                            _Name="RE30S:Percentage of open revolving trades &gt; 50% of credit line verified in past 12 months"
                            _Value="-4"/>
                    <_DATA_SET
                            _Name="RE31S:Percentage of open revolving trades &gt; 75% of credit line verified in past 12 months"
                            _Value="-4"/>
                    <_DATA_SET _Name="RE33S:Total balance of open revolving trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET _Name="RE34S:Utilization for open revolving trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET _Name="RE36S:Months since most recent revolving delinquency" _Value="-4"/>
                    <_DATA_SET _Name="RE57S:Total past due amount of open revolving trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET _Name="RE102S:Average credit line of open revolving trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET _Name="RP04S:Months since most recent repossession trade was first reported"
                               _Value="-4"/>
                    <_DATA_SET _Name="S004S:Average number of months trades have been on file" _Value="-4"/>
                    <_DATA_SET
                            _Name="S043S:Number of open trades &gt; 50% of credit line verified in 12 mons (excl installs and morts)"
                            _Value="N/A"/>
                    <_DATA_SET _Name="S061S:Months since most recent 60 or more days past due" _Value="-4"/>
                    <_DATA_SET _Name="S062S:Months since most recent 90 or more days past due" _Value="-4"/>
                    <_DATA_SET _Name="S068A:Number of third party collections" _Value="-4"/>
                    <_DATA_SET
                            _Name="S114S:Number of deduped inquiries in past 6 months (excl auto and mortgage inquiries)"
                            _Value="0"/>
                    <_DATA_SET
                            _Name="S204A:Total balance of non-medical third party collections verified in past 12 months"
                            _Value="0"/>
                    <_DATA_SET _Name="S207A:Months since most recent tradeline bankruptcy" _Value="-4"/>
                    <_DATA_SET _Name="S207S:Months since most recent public record bankruptcy" _Value="-4"/>
                    <_DATA_SET _Name="S209A:Months since most recent non-medical third party collection" _Value="-4"/>
                    <_DATA_SET _Name="ST28S:Total credit line of open student loan trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET _Name="ST33S:Total balance of open student loan trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET _Name="ST34S:Utilization for open student loan trades verified in past 12 months"
                               _Value="-4"/>
                    <_DATA_SET
                            _Name="ST57S:Total past due amount of open student loan trades verified in past 12 months"
                            _Value="-4"/>
                    <_DATA_SET _Name="PT014:Total Scheduled Monthly Payment" _Value="-4"/>
                    <_DATA_SET _Name="PT016:Utilization on revolving trades" _Value="-4"/>
                    <_DATA_SET _Name="PT017:Total balance on open revolving trades" _Value="-4"/>
                    <_DATA_SET _Name="PT019:Total Mortgage Monthly Payment" _Value="-4"/>
                    <_DATA_SET _Name="PT020:Total balance on open Mortgages" _Value="-4"/>
                    <_DATA_SET _Name="PT021:Total Monthly Automobile Payment" _Value="-4"/>
                    <_DATA_SET _Name="PT022:Date of oldest trade" _Value="-4"/>
                    <_DATA_SET _Name="PT023:Months since infile created at bureau" _Value="2"/>
                    <_DATA_SET _Name="PT027:Total occurrances of delinquencies in past 12 months" _Value="-4"/>
                    <_DATA_SET _Name="PT038:Number of Inquiries in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="PT054:Total Credit Limit/High Credit on open tradelines" _Value="-4"/>
                    <_DATA_SET _Name="PT056:Total balance on all tradelines" _Value="-4"/>
                    <_DATA_SET _Name="PT063:Number of currently delinquent tradelines" _Value="-4"/>
                    <_DATA_SET _Name="PT064:Number of currently delinquent revolving tradelines" _Value="-4"/>
                    <_DATA_SET _Name="PT065:Number of currently delinquent installment tradelines" _Value="-4"/>
                    <_DATA_SET _Name="PT068:Average balance on open tradelines" _Value="-4"/>
                    <_DATA_SET _Name="PT069:Number of Chargeoffs in past 12 months" _Value="-5"/>
                    <_DATA_SET _Name="PT071:Total occurrances of delinquencies in the past 2 years" _Value="-4"/>
                    <_DATA_SET _Name="PT072:Total occurrances of delinquencies in the past 30 days" _Value="-4"/>
                    <_DATA_SET _Name="PT073:Total occurrances of delinquencies in the past 60 days" _Value="-4"/>
                    <_DATA_SET _Name="PT074:Total occurrances of delinquencies in the past 7 years" _Value="-4"/>
                    <_DATA_SET _Name="PT076:Date of oldest trade" _Value="-4"/>
                    <_DATA_SET _Name="PT079:Number of months since oldest installment tradeline opened" _Value="-4"/>
                    <_DATA_SET _Name="PT080:Number of months since oldest revolving tradeline opened" _Value="-4"/>
                    <_DATA_SET _Name="PT082:Number of months since most recent tradeline opened" _Value="-4"/>
                    <_DATA_SET _Name="PT083:Number of mortgage trades" _Value="-4"/>
                    <_DATA_SET _Name="PT088:Number of months since 90+ late or worse derogatory" _Value="-4"/>
                    <_DATA_SET
                            _Name="PT089:Number of tradelines reported in past 2 months and currently 120 days past due"
                            _Value="0"/>
                    <_DATA_SET _Name="PT090:Number of tradelines currently 30 days past due" _Value="-4"/>
                    <_DATA_SET _Name="PT091:Number of tradelines 90+ days past due in past 24 months" _Value="0"/>
                    <_DATA_SET _Name="PT092:Number of tradelines opened in past 12 months" _Value="-5"/>
                    <_DATA_SET _Name="PT093:Percentage of tradelines never delinquent" _Value="-4"/>
                    <_DATA_SET _Name="PT094:Number of tradelines ever 120 days past due" _Value="-4"/>
                    <_DATA_SET _Name="PT095:Number of months since oldest bank installment tradeline" _Value="-4"/>
                    <_DATA_SET _Name="PT103:Total credit limit/high credit on open installment tradelines" _Value="-4"/>
                    <_DATA_SET _Name="PT104:Number of currently satisfactory tradelines" _Value="-4"/>
                    <_DATA_SET _Name="PT105:Number of revolving tradelines" _Value="-4"/>
                    <_DATA_SET _Name="PT110:Number of revolving tradelines opened in past 7 years" _Value="-4"/>
                    <_DATA_SET _Name="PT111:Total credit limit/high credit on open revolving tradelines" _Value="-4"/>
                    <_DATA_SET
                            _Name="PT112:Total available credit on open bankcard tradelines verified in the last 6 mons"
                            _Value="-4"/>
                    <_DATA_SET _Name="PT115:Percent of bankcard tradelines gt 75% of credit limit" _Value="-4"/>
                    <_DATA_SET _Name="PT118:Total credit limit/high credit on open bankcard tradelines" _Value="-4"/>
                    <_DATA_SET _Name="PT119:Number of bankcard tradelines" _Value="-4"/>
                    <_DATA_SET _Name="PT120:Number of months since most recent bankcard tradeline opened" _Value="-4"/>
                    <_DATA_SET _Name="PT121:Number of bankcard tradelines opened in the past 6 months" _Value="-4"/>
                    <_DATA_SET _Name="PT122:Number of bankcard tradelines never delinquent" _Value="-4"/>
                    <_DATA_SET _Name="PT125:Number of months since most recent bankcard delinquency" _Value="-4"/>
                    <_DATA_SET _Name="PT126:Percent utilization on bankcard tradelines" _Value="-4"/>
                    <_DATA_SET _Name="PT129:Number of Public Records with amount gt 100" _Value="-4"/>
                    <_DATA_SET _Name="PT130:Number of Tax Liens" _Value="0"/>
                    <_DATA_SET _Name="PT132:Total amount on Collections" _Value="-4"/>
                    <_DATA_SET _Name="PT133:Number of repossessions" _Value="0"/>
                    <_DATA_SET _Name="PT134:Number of foreclosures" _Value="0"/>
                    <_DATA_SET _Name="PT136:Number of Collections/Chargeoffs in past 24 months; excluding medical"
                               _Value="0"/>
                    <_DATA_SET _Name="PT137:Total amount on Collections in past 36 months; excluding medical"
                               _Value="0"/>
                    <_DATA_SET _Name="PT138:Number of tradelines active within the past 6 months" _Value="-4"/>
                    <_DATA_SET _Name="PT139:Number of mortgage tradelines opened in past 6 months" _Value="-4"/>
                    <_DATA_SET _Name="PT140:Number of open installment tradelines opened within the past 24 months"
                               _Value="-4"/>
                    <_DATA_SET
                            _Name="PT141:Total occurrances of 30 days late within the past 12 months on Mortgage trades"
                            _Value="-4"/>
                    <_DATA_SET _Name="PT142:Number of mortgages passed due 30 days or more in the last 6 months"
                               _Value="-4"/>
                    <_DATA_SET _Name="PT143:Total occurrances of 30 days late within the past 12 months" _Value="-4"/>
                    <_DATA_SET _Name="PT144:Number of collections with amount gt 500" _Value="-4"/>
                    <_DATA_SET _Name="PT145:Total balance on unsecured credit card tradelines" _Value="-4"/>
                    <_DATA_SET _Name="PT146:Total balance on unsecured tradelines" _Value="-4"/>
                    <_DATA_SET _Name="PT147:Total amount on Tax Liens filed within the past 36 months" _Value="-4"/>
                    <_DATA_SET _Name="PT148:Total amount on Judgements filed within the past 36 months" _Value="-4"/>
                    <_DATA_SET _Name="PT149:Number of Public Records filed in past 24 months" _Value="-4"/>
                    <_DATA_SET _Name="PT150:Number of non-federal Student Loan tradelines" _Value="-4"/>
                    <_DATA_SET _Name="PT151:Number of repossessed auto loan tradelines" _Value="-4"/>
                    <_DATA_SET _Name="PT153:Percent utilization on installment tradelines" _Value="-4"/>
                    <_DATA_SET _Name="PT154:Number of revolving tradelines with balance gt 0" _Value="-4"/>
                    <_DATA_SET _Name="PT155:Number of installment tradelines opened in past 12 months" _Value="-4"/>
                    <_DATA_SET _Name="PT157:Number of revolving tradelines opened in past 12 months" _Value="-4"/>
                    <_DATA_SET _Name="PT158:Number of revolving tradelines opened in past 24 months" _Value="-4"/>
                    <_DATA_SET _Name="PT159:Number of credit union tradelines" _Value="-4"/>
                    <_DATA_SET _Name="PT160:Percent utilization on all open tradelines" _Value="-4"/>
                    <_DATA_SET _Name="PT162:Maximum balance on revolving tradelines" _Value="-4"/>
                    <_DATA_SET _Name="PT163:Number months since more recent installment tradeline opened" _Value="-4"/>
                    <_DATA_SET _Name="PT165:Number of auto tradelines 30 days past due in past 6 months" _Value="-4"/>
                    <_DATA_SET _Name="PT166:Number of auto tradelines opened in past 6 months" _Value="-4"/>
                    <_DATA_SET _Name="PT167:Number of retail tradelines opened in past 6 months" _Value="-4"/>
                    <_DATA_SET _Name="PT168:Number of student loans opened in past 12 months" _Value="-4"/>
                    <_DATA_SET _Name="PT174:Total amount on Collections; excluding medical" _Value="-4"/>
                    <_DATA_SET _Name="PT175:Total amount on Tax Liens" _Value="-4"/>
                    <_DATA_SET _Name="PT176:Total amount on Judgements" _Value="-4"/>
                    <_DATA_SET _Name="PT177:Total credit limit on open credit card trades" _Value="0"/>
                    <_DATA_SET _Name="PT178:Total credit limit on open retail trades" _Value="0"/>
                    <_DATA_SET _Name="PT179:Total balance on open credit card trades" _Value="0"/>
                    <_DATA_SET _Name="PT180:Total balance on open retail trades" _Value="0"/>
                    <_DATA_SET _Name="PT181:Age of oldest trade in months" _Value="N/A"/>
                    <_DATA_SET _Name="PT182:Total number of open credit card trades" _Value="0"/>
                    <_DATA_SET _Name="PT183:Total number of open retail trades" _Value="0"/>
                    <_DATA_SET _Name="PT184:Total number of trades ever delinquent" _Value="0"/>
                    <_DATA_SET _Name="PT185:Total number of tradelines delinquent in the last 6 months" _Value="0"/>
                    <_DATA_SET
                            _Name="PT186:Total number of installment tradelines 60 days late or worse in the last 6 months"
                            _Value="0"/>
                    <_DATA_SET _Name="PT187:Total balances on currently delinquent tradelines" _Value="0"/>
                    <_DATA_SET _Name="PT188:Worst current status on any open tradeline" _Value="0"/>
                    <_DATA_SET _Name="PT189:Worst status in the past 12 months on any mortgage tradeline" _Value="0"/>
                    <_DATA_SET _Name="PT190:Total number of closed credit card trades" _Value="0"/>
                    <_DATA_SET _Name="PT191:Total number of closed installment trades" _Value="0"/>
                    <_DATA_SET _Name="PT192:Percent of revolving credit available" _Value="999"/>
                    <_DATA_SET _Name="PT193:Number of loans or credit cards applied for in past 24 months" _Value="0"/>
                    <_DATA_SET _Name="PT194:Number of Installment tradelines not delinquent within the last 24 months"
                               _Value="0"/>
                    <_DATA_SET _Name="PT195:Max credit limit on open bank credit cards" _Value="0"/>
                    <_DATA_SET _Name="PT196:Number of collections with amount gt 0" _Value="0"/>
                    <_DATA_SET _Name="PT197:Total Number of delinquent credit card and retail trades in last 6 months"
                               _Value="0"/>
                    <_DATA_SET _Name="PT198:Total number of open credit card tradelines with utilization gt 90%"
                               _Value="0"/>
                    <_DATA_SET _Name="PT199:Total number of open retail tradelines with utilization gt 90%" _Value="0"/>
                    <_DATA_SET _Name="Deceased Indicator" _Value="N"/>
                    <_DATA_SET _Name="Public Record Info" _Value=""/>
                </CREDIT_SUMMARY_TUI>
                <CREDIT_SUMMARY_EFX BorrowerID="Borrower01" _Name="Attributes">
                    <_DATA_SET _Name="Number of tradelines" _Value="17"/>
                    <_DATA_SET _Name="Average age of open tradelines" _Value="54"/>
                    <_DATA_SET _Name="Number of hard inquiries" _Value="36"/>
                    <_DATA_SET _Name="Number of payments" _Value="7"/>
                    <_DATA_SET _Name="Revolving utilization on open credit cards" _Value="101"/>
                    <_DATA_SET _Name="Total occurrences of minor delinqs" _Value="7"/>
                    <_DATA_SET _Name="Total number of major derogatory tradelines" _Value="1"/>
                    <_DATA_SET _Name="AT01S:Number of trades" _Value="17"/>
                    <_DATA_SET _Name="AT02S:Number of open trades" _Value="13"/>
                    <_DATA_SET _Name="AT06S:Number of trades opened in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="AT09S:Number of trades opened in past 24 months" _Value="5"/>
                    <_DATA_SET _Name="AT20S:Months since oldest trade opened" _Value="267"/>
                    <_DATA_SET _Name="AT28A:Total credit line of open trades verified in past 12 months"
                               _Value="97141"/>
                    <_DATA_SET
                            _Name="AT28B:Total credit line of open trades verified in past 12 months (excl mort and home equity)"
                            _Value="73190"/>
                    <_DATA_SET _Name="AT33A:Total balance of open trades verified in past 12 months" _Value="72298"/>
                    <_DATA_SET
                            _Name="AT33B:Total balance of open trades verified in past 12 months (excl mort and home equity)"
                            _Value="56413"/>
                    <_DATA_SET _Name="AT34A:Utilization for open trades verified in past 12 months" _Value="74"/>
                    <_DATA_SET
                            _Name="AT34B:Utilization for open trades verified in past 12 months (excl mort and home equity)"
                            _Value="77"/>
                    <_DATA_SET _Name="AT36S:Months since most recent delinquency" _Value="4"/>
                    <_DATA_SET _Name="AT57S:Total past due amount of open trades verified in past 12 months"
                               _Value="662"/>
                    <_DATA_SET _Name="AT103S:Percentage of satisfactory open trades to all open trades" _Value="85"/>
                    <_DATA_SET _Name="AT104S:Percentage of all trades opened in past 24 months to all trades"
                               _Value="29"/>
                    <_DATA_SET _Name="ATAP01:Total scheduled monthly payment for all trades verified in past 12 months"
                               _Value="2011"/>
                    <_DATA_SET _Name="AU28S:Total credit line of open auto trades verified in past 12 months"
                               _Value="8999"/>
                    <_DATA_SET _Name="AU33S:Total balance of open auto trades verified in past 12 months"
                               _Value="4196"/>
                    <_DATA_SET _Name="AU34S:Utilization for open auto trades verified in past 12 months" _Value="47"/>
                    <_DATA_SET _Name="AU57S:Total past due amount of open auto trades verified in past 12 months"
                               _Value="0"/>
                    <_DATA_SET _Name="BC02S:Number of open credit card trades" _Value="1"/>
                    <_DATA_SET _Name="BC06S:Number of credit card trades opened in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="BC102S:Average credit line of open credit card trades verified in past 12 months"
                               _Value="1000"/>
                    <_DATA_SET _Name="BC12S:Number of open credit card trades verified in past 12 months" _Value="1"/>
                    <_DATA_SET _Name="BC20S:Months since oldest credit card trade opened" _Value="47"/>
                    <_DATA_SET _Name="BC28S:Total credit line of open credit card trades verified in past 12 months"
                               _Value="1000"/>
                    <_DATA_SET
                            _Name="BC30S:Percentage of open credit card trades &gt; 50% of credit line verified in past 12 months"
                            _Value="100"/>
                    <_DATA_SET
                            _Name="BC31S:Percentage of open credit card trades &gt; 75% of credit line verified in past 12 months"
                            _Value="100"/>
                    <_DATA_SET _Name="BC33S:Total balance of open credit card trades verified in past 12 months"
                               _Value="1014"/>
                    <_DATA_SET _Name="BC34S:Utilization for open credit card trades verified in past 12 months"
                               _Value="101"/>
                    <_DATA_SET _Name="BC57S:Total past due amount of open credit card trades verified in past 12 months"
                               _Value="0"/>
                    <_DATA_SET _Name="CO04S:Months since most recent charged-off trade was first reported"
                               _Value="267"/>
                    <_DATA_SET _Name="FC04S:Months since most recent foreclosure trade was first reported"
                               _Value="N/A"/>
                    <_DATA_SET
                            _Name="G020S:Number of trades with maximum delinquency of 30 days past due in past 24 months"
                            _Value="2"/>
                    <_DATA_SET _Name="G051S:Percentage of trades ever delinquent" _Value="24"/>
                    <_DATA_SET _Name="G093S:Number of public records" _Value="-4"/>
                    <_DATA_SET _Name="G094S:Number of public record bankruptcies" _Value="-4"/>
                    <_DATA_SET _Name="G095S:Months since most recent public record" _Value="-4"/>
                    <_DATA_SET _Name="G103S:Months since most recent credit inquiry" _Value="2"/>
                    <_DATA_SET
                            _Name="G202A:Total open to buy of open trades verified in past 12 months (excl installs and morts)"
                            _Value="119"/>
                    <_DATA_SET _Name="G215B:Number of non-medical third party collections with balance &gt; $0"
                               _Value="0"/>
                    <_DATA_SET _Name="G217S:Total past due amount of all trades verified in past 12 months"
                               _Value="662"/>
                    <_DATA_SET _Name="G218B:Number of trades verified in the past 12 months that are currently 30+ DPD"
                               _Value="1"/>
                    <_DATA_SET _Name="G224A:Number of 90 days past due or worse items ever (excluding medical colls)"
                               _Value="1"/>
                    <_DATA_SET _Name="G238S:Number of credit inquiries in past 12 months (excl coll inqs)" _Value="30"/>
                    <_DATA_SET _Name="G244S:Number of inquiries (includes duplicates) in past 12 months" _Value="30"/>
                    <_DATA_SET _Name="G250A:Number of 30 DPD or worse items ever (excluding medical colls)" _Value="4"/>
                    <_DATA_SET
                            _Name="G250B:Number of 30 DPD or worse items in the past 12 months (excluding medical colls)"
                            _Value="2"/>
                    <_DATA_SET
                            _Name="G250C:Number of 30 DPD or worse items in the past 24 months (excluding medical colls)"
                            _Value="3"/>
                    <_DATA_SET _Name="G251A:Number of 60 DPD or worse items ever (excluding medical colls)" _Value="1"/>
                    <_DATA_SET _Name="G302S:Worst rating on revolving trades in past 12 months" _Value="N/A"/>
                    <_DATA_SET _Name="G304S:Worst rating on installment trades in past 12 months" _Value="9"/>
                    <_DATA_SET _Name="G310S:Worst rating on all trades in past 12 months" _Value="9"/>
                    <_DATA_SET _Name="GB311:Indicates if bankruptcies have been filed" _Value="-4"/>
                    <_DATA_SET
                            _Name="HI57S:Total past due amount of open home equity loan trades verified in past 12 months"
                            _Value="N/A"/>
                    <_DATA_SET _Name="HR57S:Total past due amount of open HELOC trades verified in past 12 months"
                               _Value="N/A"/>
                    <_DATA_SET _Name="IN02S:Number of open installment trades" _Value="11"/>
                    <_DATA_SET _Name="IN06S:Number of installment trades opened in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="IN28S:Total credit line of open installment trades verified in past 12 months"
                               _Value="96008"/>
                    <_DATA_SET _Name="IN33S:Total balance of open installment trades verified in past 12 months"
                               _Value="71284"/>
                    <_DATA_SET _Name="IN34S:Utilization for open installment trades verified in past 12 months"
                               _Value="74"/>
                    <_DATA_SET _Name="IN36S:Months since most recent installment delinquency" _Value="4"/>
                    <_DATA_SET _Name="IN57S:Total past due amount of open installment trades verified in past 12 months"
                               _Value="662"/>
                    <_DATA_SET _Name="MT02S:Number of open mortgage trades" _Value="1"/>
                    <_DATA_SET _Name="MT06S:Number of mortgage trades opened in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="MT28S:Total credit line of open mortgage trades verified in past 12 months"
                               _Value="23951"/>
                    <_DATA_SET _Name="MT33S:Total balance of open mortgage trades verified in past 12 months"
                               _Value="15885"/>
                    <_DATA_SET _Name="MT34S:Utilization for open mortgage trades verified in past 12 months"
                               _Value="66"/>
                    <_DATA_SET _Name="MT36S:Months since most recent mortgage delinquency" _Value="N/A"/>
                    <_DATA_SET _Name="MT57S:Total past due amount of open mortgage trades verified in past 12 months"
                               _Value="0"/>
                    <_DATA_SET _Name="RE02S:Number of open revolving trades" _Value="2"/>
                    <_DATA_SET _Name="RE06S:Number of revolving trades opened in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="RE12S:Number of open revolving trades verified in past 12 months" _Value="2"/>
                    <_DATA_SET _Name="RE20S:Months since oldest revolving trade opened" _Value="47"/>
                    <_DATA_SET _Name="RE21S:Months since most recent revolving trade opened" _Value="35"/>
                    <_DATA_SET _Name="RE28S:Total credit line of open revolving trades verified in past 12 months"
                               _Value="1133"/>
                    <_DATA_SET
                            _Name="RE30S:Percentage of open revolving trades &gt; 50% of credit line verified in past 12 months"
                            _Value="50"/>
                    <_DATA_SET
                            _Name="RE31S:Percentage of open revolving trades &gt; 75% of credit line verified in past 12 months"
                            _Value="50"/>
                    <_DATA_SET _Name="RE33S:Total balance of open revolving trades verified in past 12 months"
                               _Value="1014"/>
                    <_DATA_SET _Name="RE34S:Utilization for open revolving trades verified in past 12 months"
                               _Value="89"/>
                    <_DATA_SET _Name="RE36S:Months since most recent revolving delinquency" _Value="44"/>
                    <_DATA_SET _Name="RE57S:Total past due amount of open revolving trades verified in past 12 months"
                               _Value="0"/>
                    <_DATA_SET _Name="RE102S:Average credit line of open revolving trades verified in past 12 months"
                               _Value="567"/>
                    <_DATA_SET _Name="RP04S:Months since most recent repossession trade was first reported"
                               _Value="N/A"/>
                    <_DATA_SET _Name="S004S:Average number of months trades have been on file" _Value="58"/>
                    <_DATA_SET
                            _Name="S043S:Number of open trades &gt; 50% of credit line verified in 12 mons (excl installs and morts)"
                            _Value="50"/>
                    <_DATA_SET _Name="S061S:Months since most recent 60 or more days past due" _Value="67"/>
                    <_DATA_SET _Name="S062S:Months since most recent 90 or more days past due" _Value="67"/>
                    <_DATA_SET _Name="S068A:Number of third party collections" _Value="0"/>
                    <_DATA_SET
                            _Name="S114S:Number of deduped inquiries in past 6 months (excl auto and mortgage inquiries)"
                            _Value="23"/>
                    <_DATA_SET
                            _Name="S204A:Total balance of non-medical third party collections verified in past 12 months"
                            _Value="0"/>
                    <_DATA_SET _Name="S207A:Months since most recent tradeline bankruptcy" _Value="N/A"/>
                    <_DATA_SET _Name="S207S:Months since most recent public record bankruptcy" _Value="-4"/>
                    <_DATA_SET _Name="S209A:Months since most recent non-medical third party collection" _Value="N/A"/>
                    <_DATA_SET _Name="ST28S:Total credit line of open student loan trades verified in past 12 months"
                               _Value="0"/>
                    <_DATA_SET _Name="ST33S:Total balance of open student loan trades verified in past 12 months"
                               _Value="0"/>
                    <_DATA_SET _Name="ST34S:Utilization for open student loan trades verified in past 12 months"
                               _Value="N/A"/>
                    <_DATA_SET
                            _Name="ST57S:Total past due amount of open student loan trades verified in past 12 months"
                            _Value="N/A"/>
                    <_DATA_SET _Name="PT014:Total Scheduled Monthly Payment" _Value="2302"/>
                    <_DATA_SET _Name="PT016:Utilization on revolving trades" _Value="89"/>
                    <_DATA_SET _Name="PT017:Total balance on open revolving trades" _Value="1014"/>
                    <_DATA_SET _Name="PT019:Total Mortgage Monthly Payment" _Value="-5"/>
                    <_DATA_SET _Name="PT020:Total balance on open Mortgages" _Value="-5"/>
                    <_DATA_SET _Name="PT021:Total Monthly Automobile Payment" _Value="227"/>
                    <_DATA_SET _Name="PT022:Date of oldest trade" _Value="051999"/>
                    <_DATA_SET _Name="PT023:Months since infile created at bureau" _Value="2"/>
                    <_DATA_SET _Name="PT027:Total occurrances of delinquencies in past 12 months" _Value="3"/>
                    <_DATA_SET _Name="PT038:Number of Inquiries in past 6 months" _Value="23"/>
                    <_DATA_SET _Name="PT054:Total Credit Limit/High Credit on open tradelines" _Value="129406"/>
                    <_DATA_SET _Name="PT056:Total balance on all tradelines" _Value="72298"/>
                    <_DATA_SET _Name="PT063:Number of currently delinquent tradelines" _Value="1"/>
                    <_DATA_SET _Name="PT064:Number of currently delinquent revolving tradelines" _Value="0"/>
                    <_DATA_SET _Name="PT065:Number of currently delinquent installment tradelines" _Value="1"/>
                    <_DATA_SET _Name="PT068:Average balance on open tradelines" _Value="5561"/>
                    <_DATA_SET _Name="PT069:Number of Chargeoffs in past 12 months" _Value="0"/>
                    <_DATA_SET _Name="PT071:Total occurrances of delinquencies in the past 2 years" _Value="5"/>
                    <_DATA_SET _Name="PT072:Total occurrances of delinquencies in the past 30 days" _Value="0"/>
                    <_DATA_SET _Name="PT073:Total occurrances of delinquencies in the past 60 days" _Value="0"/>
                    <_DATA_SET _Name="PT074:Total occurrances of delinquencies in the past 7 years" _Value="7"/>
                    <_DATA_SET _Name="PT076:Date of oldest trade" _Value="051999"/>
                    <_DATA_SET _Name="PT079:Number of months since oldest installment tradeline opened" _Value="267"/>
                    <_DATA_SET _Name="PT080:Number of months since oldest revolving tradeline opened" _Value="47"/>
                    <_DATA_SET _Name="PT082:Number of months since most recent tradeline opened" _Value="8"/>
                    <_DATA_SET _Name="PT083:Number of mortgage trades" _Value="1"/>
                    <_DATA_SET _Name="PT088:Number of months since 90+ late or worse derogatory" _Value="4"/>
                    <_DATA_SET
                            _Name="PT089:Number of tradelines reported in past 2 months and currently 120 days past due"
                            _Value="0"/>
                    <_DATA_SET _Name="PT090:Number of tradelines currently 30 days past due" _Value="1"/>
                    <_DATA_SET _Name="PT091:Number of tradelines 90+ days past due in past 24 months" _Value="1"/>
                    <_DATA_SET _Name="PT092:Number of tradelines opened in past 12 months" _Value="1"/>
                    <_DATA_SET _Name="PT093:Percentage of tradelines never delinquent" _Value="76"/>
                    <_DATA_SET _Name="PT094:Number of tradelines ever 120 days past due" _Value="0"/>
                    <_DATA_SET _Name="PT095:Number of months since oldest bank installment tradeline" _Value="267"/>
                    <_DATA_SET _Name="PT103:Total credit limit/high credit on open installment tradelines"
                               _Value="128273"/>
                    <_DATA_SET _Name="PT104:Number of currently satisfactory tradelines" _Value="15"/>
                    <_DATA_SET _Name="PT105:Number of revolving tradelines" _Value="2"/>
                    <_DATA_SET _Name="PT110:Number of revolving tradelines opened in past 7 years" _Value="2"/>
                    <_DATA_SET _Name="PT111:Total credit limit/high credit on open revolving tradelines" _Value="1133"/>
                    <_DATA_SET
                            _Name="PT112:Total available credit on open bankcard tradelines verified in the last 6 mons"
                            _Value="-14"/>
                    <_DATA_SET _Name="PT115:Percent of bankcard tradelines gt 75% of credit limit" _Value="100"/>
                    <_DATA_SET _Name="PT118:Total credit limit/high credit on open bankcard tradelines" _Value="1000"/>
                    <_DATA_SET _Name="PT119:Number of bankcard tradelines" _Value="1"/>
                    <_DATA_SET _Name="PT120:Number of months since most recent bankcard tradeline opened" _Value="47"/>
                    <_DATA_SET _Name="PT121:Number of bankcard tradelines opened in the past 6 months" _Value="0"/>
                    <_DATA_SET _Name="PT122:Number of bankcard tradelines never delinquent" _Value="0"/>
                    <_DATA_SET _Name="PT125:Number of months since most recent bankcard delinquency" _Value="44"/>
                    <_DATA_SET _Name="PT126:Percent utilization on bankcard tradelines" _Value="101"/>
                    <_DATA_SET _Name="PT129:Number of Public Records with amount gt 100" _Value="-4"/>
                    <_DATA_SET _Name="PT130:Number of Tax Liens" _Value="0"/>
                    <_DATA_SET _Name="PT132:Total amount on Collections" _Value="0"/>
                    <_DATA_SET _Name="PT133:Number of repossessions" _Value="0"/>
                    <_DATA_SET _Name="PT134:Number of foreclosures" _Value="0"/>
                    <_DATA_SET _Name="PT136:Number of Collections/Chargeoffs in past 24 months; excluding medical"
                               _Value="0"/>
                    <_DATA_SET _Name="PT137:Total amount on Collections in past 36 months; excluding medical"
                               _Value="0"/>
                    <_DATA_SET _Name="PT138:Number of tradelines active within the past 6 months" _Value="9"/>
                    <_DATA_SET _Name="PT139:Number of mortgage tradelines opened in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="PT140:Number of open installment tradelines opened within the past 24 months"
                               _Value="5"/>
                    <_DATA_SET
                            _Name="PT141:Total occurrances of 30 days late within the past 12 months on Mortgage trades"
                            _Value="0"/>
                    <_DATA_SET _Name="PT142:Number of mortgages passed due 30 days or more in the last 6 months"
                               _Value="0"/>
                    <_DATA_SET _Name="PT143:Total occurrances of 30 days late within the past 12 months" _Value="3"/>
                    <_DATA_SET _Name="PT144:Number of collections with amount gt 500" _Value="0"/>
                    <_DATA_SET _Name="PT145:Total balance on unsecured credit card tradelines" _Value="0"/>
                    <_DATA_SET _Name="PT146:Total balance on unsecured tradelines" _Value="0"/>
                    <_DATA_SET _Name="PT147:Total amount on Tax Liens filed within the past 36 months" _Value="-4"/>
                    <_DATA_SET _Name="PT148:Total amount on Judgements filed within the past 36 months" _Value="-4"/>
                    <_DATA_SET _Name="PT149:Number of Public Records filed in past 24 months" _Value="-4"/>
                    <_DATA_SET _Name="PT150:Number of non-federal Student Loan tradelines" _Value="0"/>
                    <_DATA_SET _Name="PT151:Number of repossessed auto loan tradelines" _Value="0"/>
                    <_DATA_SET _Name="PT153:Percent utilization on installment tradelines" _Value="49"/>
                    <_DATA_SET _Name="PT154:Number of revolving tradelines with balance gt 0" _Value="1"/>
                    <_DATA_SET _Name="PT155:Number of installment tradelines opened in past 12 months" _Value="1"/>
                    <_DATA_SET _Name="PT157:Number of revolving tradelines opened in past 12 months" _Value="0"/>
                    <_DATA_SET _Name="PT158:Number of revolving tradelines opened in past 24 months" _Value="0"/>
                    <_DATA_SET _Name="PT159:Number of credit union tradelines" _Value="0"/>
                    <_DATA_SET _Name="PT160:Percent utilization on all open tradelines" _Value="56"/>
                    <_DATA_SET _Name="PT162:Maximum balance on revolving tradelines" _Value="1014"/>
                    <_DATA_SET _Name="PT163:Number months since more recent installment tradeline opened" _Value="8"/>
                    <_DATA_SET _Name="PT165:Number of auto tradelines 30 days past due in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="PT166:Number of auto tradelines opened in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="PT167:Number of retail tradelines opened in past 6 months" _Value="0"/>
                    <_DATA_SET _Name="PT168:Number of student loans opened in past 12 months" _Value="-5"/>
                    <_DATA_SET _Name="PT174:Total amount on Collections; excluding medical" _Value="0"/>
                    <_DATA_SET _Name="PT175:Total amount on Tax Liens" _Value="-4"/>
                    <_DATA_SET _Name="PT176:Total amount on Judgements" _Value="-4"/>
                    <_DATA_SET _Name="PT177:Total credit limit on open credit card trades" _Value="1000"/>
                    <_DATA_SET _Name="PT178:Total credit limit on open retail trades" _Value="133"/>
                    <_DATA_SET _Name="PT179:Total balance on open credit card trades" _Value="1014"/>
                    <_DATA_SET _Name="PT180:Total balance on open retail trades" _Value="0"/>
                    <_DATA_SET _Name="PT181:Age of oldest trade in months" _Value="267"/>
                    <_DATA_SET _Name="PT182:Total number of open credit card trades" _Value="1"/>
                    <_DATA_SET _Name="PT183:Total number of open retail trades" _Value="1"/>
                    <_DATA_SET _Name="PT184:Total number of trades ever delinquent" _Value="4"/>
                    <_DATA_SET _Name="PT185:Total number of tradelines delinquent in the last 6 months" _Value="1"/>
                    <_DATA_SET
                            _Name="PT186:Total number of installment tradelines 60 days late or worse in the last 6 months"
                            _Value="0"/>
                    <_DATA_SET _Name="PT187:Total balances on currently delinquent tradelines" _Value="4382"/>
                    <_DATA_SET _Name="PT188:Worst current status on any open tradeline" _Value="400"/>
                    <_DATA_SET _Name="PT189:Worst status in the past 12 months on any mortgage tradeline" _Value="1"/>
                    <_DATA_SET _Name="PT190:Total number of closed credit card trades" _Value="0"/>
                    <_DATA_SET _Name="PT191:Total number of closed installment trades" _Value="4"/>
                    <_DATA_SET _Name="PT192:Percent of revolving credit available" _Value="11"/>
                    <_DATA_SET _Name="PT193:Number of loans or credit cards applied for in past 24 months" _Value="36"/>
                    <_DATA_SET _Name="PT194:Number of Installment tradelines not delinquent within the last 24 months"
                               _Value="12"/>
                    <_DATA_SET _Name="PT195:Max credit limit on open bank credit cards" _Value="1000"/>
                    <_DATA_SET _Name="PT196:Number of collections with amount gt 0" _Value="0"/>
                    <_DATA_SET _Name="PT197:Total Number of delinquent credit card and retail trades in last 6 months"
                               _Value="0"/>
                    <_DATA_SET _Name="PT198:Total number of open credit card tradelines with utilization gt 90%"
                               _Value="1"/>
                    <_DATA_SET _Name="PT199:Total number of open retail tradelines with utilization gt 90%" _Value="3"/>
                    <_DATA_SET _Name="Deceased Indicator" _Value="N"/>
                    <_DATA_SET _Name="Public Record Info" _Value=""/>
                </CREDIT_SUMMARY_EFX>
                <REGULATORY_PRODUCT CreditFileID="TA01" BorrowerID="Borrower01" CreditRepositorySourceType="TransUnion"
                                    _SourceType="OFAC" _ResultStatusType="Clear"></REGULATORY_PRODUCT>
            </CREDIT_RESPONSE>
        </RESPONSE_DATA>
    </RESPONSE>
</RESPONSE_GROUP>