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Bad Credit, No Problem – A Stealth Way to Get Credit or a Loan

By Sandra Wellman


By applying for credit through a bank or other lenders that subscribe to a credit reporting agency outside the area, there’s every reason to believe that some damaging information will not appear in your file. Remember, the only way bankers and lenders can survive is to extend credit to consumers. By taking steps to sidestep one credit report that has negative entries, and taking advantage of another that show you as a good credit risk, creditors will practically force hard cash into your hand.


Here’s how:

  • Obtain a credit report from one of the credit bureaus to determine if there are damaging entries that might cause your credit application to be denied.

  • Call several banks of other lenders and ask the receptionist, etc., which credit bureau they use in their application approval process. If the individual tells you they don’t know, ask them to find out.

  • Select a bank or lender that subscribes to a credit reporting agency other than the one typically used in the area.

  • Obtain a credit report from the credit reporting agency that your selected lender uses.

  • Repeat step number 4 until you find a report that is favorable to you and shows the least negative entries.

  • The only thing left for you to do is apply with that bank, lender, or other creditor that subscribes to the credit bureau that has a credit report the most favorable to you.

A lot of lenders will give you credit these days, regardless if you have bad credit or even a bankruptcy, but you will pay outrageous interest. If you use the above tactics, you will get a better rate.


Be sure to read our article on fixing your credit report yourself. This will help you get an even better rate, depending on how long you can take before getting the loan you are looking for.


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