The Credit Game Has Changed - Credit Prepair...

Credit Prepair or Credit Repair?

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If you had to repair and rebuild your credit from scratch and you didn't want to pay someone for credit repair, what would you do first?

So many people have asked me this question over the years...

Todays answer is totally different than what I would have said five years ago...

The first thing I would do now is contact all three major credit bureaus and all of the minor credit bureaus to request copies of my consumer files and consumer reports.

The key phrase here is CONSUMER FILES.

Many of my new clients have never even heard of a consumer file or even know how it fits into the credit repair equation...

You see a consumer file is much different than a credit report that's pulled by a mortgage company, an auto dealer, a credit card issuer, a commercial lender, a property manager, a hard money lender or an online 3rd party report.

A consumer file is a complete record of all the data a credit bureau has in its database and the databases of its subsidiaries and affiliates...

Yes, subsidiaries and affiliates!!!

If you don't believe that's true just take a look at your last declination letter and see what it says...

I quote "Our decision was not based in whole but in part on information obtained from Equifax, Experian or Transunion and information obtained from our subsidiaries and affiliates"...

Have you ever stopped to ask who are these affiliates and subsidiaries that play a role in your declination for credit?

Well guess what, I have been sharing the names of the creditors and credit bureaus' affiliates and subsidiaries with my clients for the last six or seven years...

My first book about this topic was published in 2016.. Its called The Wealth Score Expert..

Yeah I know you are asking yourself what is a wealth score.. That's a topic for another day..

Getting back to the creditors and the credit bureaus' affiliates and subsidiaries, these data bureaus house information about your banking activity, payroll activity, your background, your public records, medical reports, driving record, your networth and much much more!!!

I call these reports your "data reports" not "credit reports" because they are not provided to you by credit reporting agencies..

Now that you have some context to the original question of how would you repair your credit or rebuild your credit today lets get to the offer I have for you to help you do just that...

So, the way you should repair your credit today is to not focus just on your credit score or your credit reports but to also focus on your "credible reports"!!

Yes. I made that phrase up but after today you will hear it more often!!

Your credible reports aka data reports are the reports that the affiliates and subsidiaries sell to credit issuers and the credit bureaus..

These reports focus on your credit worthiness i.e.. the five Cs of credit (character, capacity, collateral, capital and conditions) not just your credit score or credit history!!!

But guess what?

I have discovered over the last five years that these affiliates and subsidiaries are sharing inaccurate and out of date information to the credit issuers and credit bureaus that can negatively impact your applications for credit!

Yes! This information has caused your credit approvals to be capped and your credit applications just out right declined...

So if you would like to know how to repair your credit the right way, which 99% of credit experts don't know, get my new book Scores of Secret Data Reports here instantly: https://www.datareportrepair.com/book

It's my best work that's all about the subsidiaries and the affiliates the credit bureaus don't tell you about.

You can get it now for FREE for a limited time: https://www.datareportrepair.com/book

Remember, I wrote this after spending 5+ years researching the credit bureaus use of 3rd party data suppliers and which ones caused most applicants to be declined for new credit.

Its a digital copy of the book so you can get it instantly here: https://www.datareportrepair.com/book

Get it NOW and you will have knowledge very few possess!!

P.S. Remember this secret data is used to assess your credit worthiness and your marketplace opportunities for new credit!

4 - Free Credit Prepair Trainings here : https://www.creditprepair.com/dfu57207229