theOtherCredit.com
theOtherCredit.com
Find out what lenders know about you that you don't!
Your secondary credit score:
The score you never knew you had.
Hello, my name is Zack Hansen and I have discovered a little know
fact about secondary credit reporting. I found out about this kind of
reporting when I was declined for a personal loan. I had closed a bank
account YEARS ago and still owed banking fees. This was reported to an
unknown credit agency and the report still showed that I had not paid
this debt and was STILL delinquent. The catch is, I HAD PAID THIS DEBT
AND THE BANK NEVER REPORTED THE DEBT CLOSED. This information was
listed with an agency I had never heard of, and was keeping me from
getting a loan! It was also causing my overall credit score to GO
DOWN!
THERE ARE 5 OF THESE REPORTING AGENCIES!
Most people are familiar with Experian, Equifax, Transunion and the
information that is contained in their credit reports. Personal loan
lenders generally do not contact these three main credit bureaus and
may even advertise” No credit checks!” or “Bad Credit O.K.”
The problem is that this may not be 100% true, as they do use
secondary consumer reporting agencies. Each agency has a different
proprietary scoring system and all of them carry information on you.
If this information creates a positive profile, it can be used to send
you prescreened offers like credit cards. If the profile is
negative, it can prevent you from opening new checking accounts,
qualifying for credit cards, or obtaining other financial products.
EVEN IF YOU HAVE A CLEAN CREDIT REPORT WITH THE THREE MAIN CREDIT
BUREAUS, YOU MAY BE DECLINED BECAUSE OF YOUR SECONDARY CREDIT SCORE!
There are numerous secondary credit reporting agenceis. All of
these companies operate under the Fair Credit Reporting Act, which is
the federal law that regulates CRAs. This law also states that YOU and
everyone else must have access to these reports. This means YOU can
make sure that the report regarding YOUR PAST is accurate. It also
means that banks, credit card companies and lenders can look at the
report too!
I have compiled a simple guide on how to:
* Find out if you are listed with these "Covert Bureaus"
* What kind of information is there about you?
* How you can correct or even remove negative listings
* Phone numbers, email addresses and mailing addresses for each
bureau
* How to contact each bureau and how to have your report corrected
Does your score matter with these agencies?
Thousands of applicants are declined everyday due to these agencies
reporting improperly. An outdated, since paid debt, to ANY retailer
MAY APPEAR on these reports. Old banking fees, bounced checks, overdue
cell phone bills, leased equipment judgements or really anything could
be on your record. This could keep you from obtaining a bank account,
getting a personal loan, or even securing an apartment rental!
CLICK HERE PURCHASE NOW FOR JUST $9.92
How can i fix this if I am listed?
Our guide is a total resource on how to fix ANY listings that may be
incorrectly reported. Past owed bills, closed bank accounts,
non-returned leased equipment, even mistaken identity!
Words from some of my happy customers:
Tim R. "I never knew that I had negative marks with 3 different
agencies! I was able to remove them with a simple email. Once these
reports were clear, i was able to get a personal loan"
Sheila K. "The fact that some of these agencies are even reporting
things like past owed bank fees was a shock to me. I had these items
removed using the info in your guide, they had been paid for years!"
CLICK HERE PURCHASE NOW FOR JUST $9.92
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With the current state of our economy I felt that there was a need
to publish this information and hopefully help others improve their
finances. I felt that a simple easy to understand guide outlining
exactly what I found out about these credit agencies was a good way to
get the word out about something most people have never even heard of!
THIS WILL HELP YOU FIX UP YOUR CREDIT
My guide is an instant download and is available in Adobe PDF and
Plain Text formats and is readable by ALL users based in the United
States (even WebTV and AOL users)
If it worked for me it will work for you!
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