MYTH:
The Credit Bureau can deny an application.
FACT:
Credit Bureaus have no power to accept or deny credit. They only collect and report information.
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Factors in Credit Scoring:
Payment History
&
Outstanding Debt
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Did You Know?
The credit score is a computer generated report using statistics from millions of borrowers, to predict how well you will manage your debt.
28% of Identity Theft cases involve financial or credit card fraud.
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The SMART Credit™ system is a revolutionary new way to view & use your
credit report, where you can literally Control your Credit with a Button™,
view Alerts from multiple sources, lock your credit reports and see what financing you are qualified for.
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It's designed for those wanting to protect their good credit and keep it that way, and for those needing to fix credit report errors and settle debts.
ALL Scores Included:
Credit Score
Future Credit Score
Auto Score
Insurance Score
Employment Score
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The Smart Credit Report System Offers Unique
SMART Action Buttons
A Few Actions They Can Do:
- Take action by bypassing the Credit Bureaus and go directly to the reporting source
- Have the ability to send a "Goodwill Request to Remove a Negative Item"
- Option of Requesting a Lower Interest Rate
TIP:
Most creditors will remove the negative item from your credit report simply for customer service reasons, especially if you are asking to remove only one late item.
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