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!
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[](http://1.drophit.pay.clickbank.net)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:
[](http://1.drophit.pay.clickbank.net)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"
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[](http://1.drophit.pay.clickbank.net)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!"
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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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