In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency distributed to users and the lender used in connection with your home loan, and the key factors affecting your credit scores.

The credit score is a computer generated summary calculated at the time of the request and based on information that a consumer reporting agency or lender has on file. The scores are based on data about your credit history and payment patterns. Credit scores are important because they are used to assist the lender in determining whether you will obtain a loan. They may also be used to determine what interest rate you may be offered on the mortgage. Credit scores can change over time depending on your conduct, how your credit history and payment patterns change, and how credit scoring technologies change. Because the score is based on information in your credit history, it is very important that you review the credit-related information that is being furnished to make sure it is accurate. Credit records may vary from one company to another.

If you have questions about your credit score or the credit information that is furnished to you, contact the consumer reporting agency at the address and telephone number provided with this notice, or contact the lender if the lender developed or generated the credit score. In the case of Vantria FCU, you will need to contact the consumer reporting agency listed below, as they developed the credit score used by Vantria in making the loan decision. The consumer reporting agency plays no part in the decision to take any action on the loan application and is unable to provide you with specific reasons for the decision on a loan application.

If you have questions concerning the terms of the loan, contact the lender:

Vantria Federal Credit Union
6708 Backlick Road
Springfield, Virginia 22150
(703) 913-0700

If you have questions concerning your credit score or the credit information furnished to you, contact the consumer reporting agency:

The above checked consumer reporting agency generated your credit score of _________ on ________ (date of inquiry). The entire range of possible scores is from 300 to 850. Key factors that adversely affected your credit score are listed below:

1)______________________________________________________________________________

2)______________________________________________________________________________

3)______________________________________________________________________________

4)______________________________________________________________________________

A key factor was the number of inquiries on your credit report, which reflected _____ inquiries.

Applicant Name and Account #_____________________________________________

Employee Name and Date Delivered _________________________________________

Savings insured to at least $100,000 by NCUA