Freezing Hidden Credit Bureaus for Credit Approval

The first source, "Algoritmo", is identified as being powered by algoritmcredit.com. The second source, labeled "Pasted Text", reveals a "secret" for improving credit card approval chances. This secret involves freezing reports from lesser-known credit bureaus like SageStream, Innovis, ChexSystems, and CoreLogic. These hidden bureaus track negative financial information such as past denials and overdrafts. By freezing access to these reports, applicants can force banks to rely solely on the main credit bureaus, potentially increasing their likelihood of approval.