If you really wanted a doctor to diagnose you with a certain illness (there are many reasons someone might want to do this) then your best bet is to give the doctor the sypmtoms that fit the illness in question. The doctor is likely to think you are suffering from whatever and treat you accordingly.

In the same way, you can tell potential lenders what they want to hear. That is to say, make your report match that of a perfect customer in the eyes of the lender.

So how do you do it? Show them the goods.

For example:

1. Lenders prefer customer with varied credit experience.

If you have $50000 worth of credit on a number of cards with no mortgage or other commitments, this doesn’t show experience of a range of different types of debt.
One solution is to finance a car (even if you don’t need one) and this will position you for lower mortgage rates in the future.

2. Lenders like responsible professional people.

Get in the databases and on the mailing lists of affluent publications and make yourself look like a professional. Why? Your name on good report alone might not be good enough for a lender to make you a decent offer so they see if your name turns up anywhere else in the professional world by cross checking some national associations’ databases. Bingo! You become a hot prospect for them as they see you as a targeted potential customer. You have a positive profile.

Remember, tell the people what it is they want to hear. By giving them the assurances they seek they will be throwing offers at you. For the full details check out the Credit Secrets Bible.