A Public Records file is a file that we setup for you to make it look like you have been around for awhile and not someone who just “popped up” yesterday with a CPN number. Most creditors are very aware of CPN numbers. Now when they pull your credit they also go to the “Public Records Domain” to look for you. Without a public records file, the credit bureaus will flag you as a “ghost” and you will not be able to obtain credit anywhere.
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