So, you have an excellent FICO score, a solid debt-to-income ratio, and clean credit reports from the major bureaus (Experian, Equifax, and TransUnion). Heck, you’ve even started Tweeting to build up your social influence score and ensure that all your ducks are truly in a row. In other words, you’ve got it made and approval for that lucrative credit card or low-rate loan is basically a foregone conclusion. Right?
Inside Specialty Consumer Reporting Agencies