Most note investors know they need to check the property — but for a second lien holder, the borrower's credit report tells you more about your risk than almost anything else. In this episode, we break down how to read a credit report and what it reveals about your deal before you ever speak to a borrower.

🔍 What you'll learn:

✅ How the current address on a credit report gives you a first read on whether the borrower is living in the property

✅ What the senior lien trade line shows you — and why the reported date determines whether any of it matters

✅ How to read a payment string and what the difference between rolling and delinquent means for your resolution outlook

✅ What a FICO score, employment details, and other trade lines tell you about a borrower's ability and willingness to pay

✅ Why a tri-merge credit report pulling from all three bureaus gives you the most complete and reliable picture

This program is for informational purposes only and should be independently verified before taking action.