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3Steps2GoodCredit provides you with the facts about your legal rights when applying for credit. Learn how you can provide additional information with ANY application that requires a credit check.

"The best kept secret in the history of financial services, bar none!" -- John Ulzheimer

Your shoe box credit could make the difference between application acceptance, interest rate, down payment, security deposit and discounts whenever your credit report and score are used to determine your creditworthiness.

Only YOU can take the 3 Steps required to make the difference between application acceptance, interest rate, down payment, security deposit and discounts whenever your credit report and score are used to determine your creditworthiness.

shoe box creditClick here to read "The Credit Rating in Your Shoe Box".

score-ready-report

Build a good credit history and score without new debt, using Federal Law. Be sure you know the 3Steps to take before a credit check to maximize your credit history

 

Begin now and take Step 1

Obtain your annual free credit report at the official FREE site: https://www.annualcreditreport.com/cra/index.jsp

 

Non-profit credit reporting and counseling resources:

National Credit Reporting Association

http://www.ncrainc.org

National Foundation for Consumer Credit Counseling

http://www.nfcc.org/

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Shoe Box Credit Book

e-Book (.pdf)

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Shoe Box Credit - 3 Steps to Take Before Your Next Credit or Employment Application A Guide to Equal Credit

Opportunities Using ECOA Reg B Volume I

by Michael G. Nathans

Michael Nathans is well-known for his leading work as an innovator and advocate for incorporating rental, cell phone, utilities, insurance and other so-called "non-traditional" or "alternative" credit references into main-stream credit reports and scores. Michael has been a featured speaker on alternative credit reporting and asset building at conferences hosted by the Federal Reserve, FDIC, Treasury Department, Fannie Mae, FHA, Brookings Institution, National Credit Reporting Association, and the Consumer Data Industry Association. His work has also been featured in Business Week, The Washington Post, American Banker, Credit Union Journal, and on MSNBC, FOX Business News, and National Public Media.

Michael is known for saying that there is nothing "non-traditional" about a rent or a cell phone payment.

Congress enacted legislation for you...

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Congress enacted legislation that affords you THE RIGHT to build good credit without going into debt. Learn how to use Federal Law and improve your credit profile now. See the most recent legal opinion.

 

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