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Your Direct Deposit is a CHEAT CODE for Credit Union! Loans Tier 3 Exposed!

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It's a frustrating situation: you have a great credit score, maybe even close to 800, but a credit union still denies your loan application. This happens all the time. The secret isn't your FICO score, it's two other factors: your Debt-to-Income (DTI) ratio and your "internal score."
Tier 3 lenders like credit unions are built on relationships. Navy Federal, for example, uses an internal score from 100 to 450. This score is based on having multiple products with them—direct deposits, checking and savings accounts, CDs. If your DTI is over 60% or your relationship is weak, they will overlook you, regardless of your credit score. This is the "leaked" information that explains why so many people with good credit get denied. This video shows you how to build that internal score.

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