These clients will get access to our proprietary consumer file request letters to petition the CRAs to surrender your consumer files and your Wealth Score for your review!
Remember, I have discovered that the banks and financial Institutions not only utilize the big three credit reporting agencies but some very obscure consumer files as well when considering credit applications.
In most cases these consumer files are not disclosed to the consumer as they do not qualify as credit reporting agencies but as consumer data aggregators and are not governed by federal law to disclose their consumer files.
I have found that if the consumer files are requested, redacted and restricted that the potential for inaccurate consumer data, negative consumer data or even obsolete consumer data to potentially adversely affect credit applications are dramatically reduced.
Once I discovered these consumer files and restricted their access it positively affected my credit worthiness.
I have even found court cases that have been settled for large sums because of consumer file data that negatively impacted the credit approval process was utilized in conjunction with the big three credit reports but was not disclosed to the consumer as a part of their adverse action notices!
Case Law Settlements to date for Wealth Score/Consumer file violations have settled for thousands of dollars.. Yes thousands of dollars.
Here are just a few of the Consumer Data Aggregators/Consumer Files we will Request, Redact and Restrict for you to potentially increase your ability to access even more credit to leverage into building wealth!