Getting A New Credit File Is Easy!
But is it LEGAL?
Before you read any further, please note that you have a moral and financial obligation to pay off your past bills. Personally, I have a hard time sleeping knowing full well that I owe money. Although this report reveals how to LEGALLY establish a new credit file, you should always pay off your old debts.
To understand this report, know these:
It is Illegal to lie on any bank or credit application. That's no secret!
It is also Illegal lie about your social security number or to use another number in place of your social security number. It is illegal to obtain more than ONE social security number. If you falsify information on any credit application you could land yourself in jail.
It's just common sense to know that if you lie about your personal information on a credit application, you've committed a crime.
So how do 3 million Americans get more than one credit file LEGALLY. How? They do it the LEGAL way.
Do you really understand how your social security number is used? The social security administration was created during the great depression. The Federal Government's intention was to allow Americans to save for our retirement so that we may live in our senior years. Like it or not that was the plan.
Over the years, the "social security" number, which was intended to identify your retirement accounts has become a tool for the government and other private organizations to track us in numerous ways. Although, that was not the original intent of a "Social Security Number", it has become an easy way for different organizations to identify us. For example, you are often asked for your SS# for a new bank account, credit union, or when applying for a drivers license.
So why do these organizations insist on requiring your social security number to identify you? Because we allow them to do it!
The sole purpose of your social security number is for tax and social security use ONLY. The law states that:No federal, state, or local government agency may deny you any right, privilege or benefit due to your refusal to provide your SS# for any other reason than producing money for retirement account with the Social Security Administration, the IRS and your employer.
This report reveals the same techniques used by thousands of lawyers in this great country of ours. The ones that charge up to $3000 for what you are getting FREE right now.
In our country's present credit reporting system a person may be assumed guilty and then must expend a great deal of time and resources to prove his or her innocence. Additionally, once a negative item is in a credit file it may remain long past the 7 year time period most people believe is used. Additionally, a misreported item can show up in a credit report multiple times.
When it comes to credit, banking and loans, there are two things you must know. The first relates to the law pertaining to the usage of your social security number as an identification tool. The second, credit bureaus are private companies and are not affiliated with the government in any way, whatsoever.....
Although the credit bureaus would like you to think otherwise.
When you apply for a new or duplicate of your social security card, you also get an attachment from the government explaining "YOUR SOCIAL SECURITY CARD". This attachment reads,
"Show your card to your employer when you start a new job and make sure your employer copies the number and name correctly so that your earnings will be recorded correctly."
"Some private organizations use Social Security numbers for record keeping purposes. Such use is neither required nor prohibited by Federal Law. The use of a person's social security number by such an organization is for its own records is purely a private matter between the organization and the person."
"Any Federal, State, or local government agency that asks for your number must tell you whether giving it is mandatory or voluntary, tell you it's authority for the requesting the number, and tell you how the number will be used.
What does this mean? Present law does not
you to furnish your SS# to private organizations. Credit bureaus are private businesses, therefore you DO NOT have to provide them with your number. They can only
your social security number.
Title 5, Section 7 of Pub.L. 93-579 of Government Organization and Employees act reads:
(a)(1) It shall be unlawful for any Federal, State or local government agency to deny to any individual any right, benefit, or privilege provided by law because of such individual's refusal to disclose his social security account number.
This means that you are not required to give your SS# to anyone except the IRS, your employer (who needs your SS# to prepare IRS withholding information), and when you are applying for a federally insured mortgage.
Instead of a SS#, the IRS can issue you a 9 digit Taxpayer Identification Number (TIN) or a 9 digit Employer Identification Number (EIN) which can be used legally instead of a SS#. TIN/EIN numbers have the same number of digits ( nine digits ). Each set of nine numbers is unique. No one else has that number. Thus you can give this number to banks and lenders for the purposes of tax reporting on interest earned in your financial accounts.
Non-interest bearing accounts need not provide a TIN or social security because no tax is due on the account. When questioned, simply say that it is unlawful for banks and lenders to REQUIRE you to furnish your social security number. And you are simply securing your right to privacy.
Please note, when you use a TIN/EIN number in place of your social security number, you must write TIN or EIN after the number. You must also record the number with the hyphen after the second number in the sequence of the 9 digit number like: 12-3459999. Social security numbers look like 123-23-4567. If you use your TIN/EIN as your SOCIAL SECURITY you will have falsified your loan or credit application. THAT'S HOW MOST PEOPLE GET IN TROUBLE. Be sure to write "EIN or TIN" anytime you use the number in place of your social security number.
A reminder, under the privacy act, Title 5 of the United States Code annotated 552(a), "it shall be unlawful....to deny any individual any right, benefit, or privilege provided by law because of such individual's refusal to disclose his/or social security number.
So why are people using TIN/EIN #'s? These numbers are issued once in a lifetime.
The following are needed BEFORE applying for a TIN/EIN#:
1) A second or new residence address/mailing address
2) A new unlisted phone number-- (only if you wish to avoid current calls from creditors)
3) A phone number obtained from an answering service that provides voice-mail
The following steps need to be taken AFTER applying for a TIN/EIN#:
1) Change the address on your drivers license to your new address.
2) Have your SSN# taken off your license. Request another number or ask to use your new TIN/EIN#
3) Establish a bank account within the area of your new residence/mailing address
APPLYING FOR A TIN/EIN
First, establish a second residence. Find a different address that you can use as a residence address. Do not use an address of a person with the same last name or an address where you have lived before. Some people use an address of a business or a business that provides mail boxes or mail drops. We do not recommend using a mail box business unless it has been in business less than a year and is NOT a chain, such as Mail Boxes Etc. A relative or friend with a different last name, living in another area works best. Do NOT use an address in the following states:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Hawaii, Florida, Idaho, Kansas, Louisiana, Mississippi, Montana, Nebraska, New Mexico, Nevada, North Carolina, North Dakota, Oklahoma, Oregon, South Dakota, Texas, Tennessee, Utah, Washington, Wyoming
Any TIN/EIN # obtained from any of the IRS service centers serving the above states will result in you receiving a TIN/EIN# that will not allow you to set-up a new credit file.
Next, change your phone number to get an unlisted phone number (to avoid current creditor calls). At the same time get a voice mail phone number in the same area as your new address. Use this number on your new credit applications. If you are having difficulty getting an address and/or voice mail # outside your area...simply go to your local Library and use the out of state Yellow Pages Phone Books. Look under Mail Receiving Services or Mail Box Rentals, also Voice Mail or Answering Services/ Paging Services.
The next step is to get an SS-4 form to apply for a TIN/EIN#. To get an SS-4 form you can either stop by your local IRS office or call 800- 829-3676 and request an SS-4 form to be sent to you.
For your information, the Federal Government issues three types of identification numbers. These numbers all have nine digits. They are:
1) SSN — Social Security Number
2) EIN — Employer Identification Number is issued to individuals who are in business, partnerships, corporations, and any other entity that may hire employees.
3) TIN — Tax Identification Number is issued by the Internal Revenue Service for banking and loan purposes. This number may be used to open checking and savings accounts and for credit purposes.
Many people prefer applying for a EIN over TIN because of the tax advantages in owning your own business. Did you know that 70% of the people in the US that made over $50,000 last year made it by having their own business. Every expense that you incur in a business can be tax deductible. From the purchase of a new computer to buying a new car, even traveling.
For some people, it may not be necessary to apply for a EIN or TIN number. In accordance with the Social Security Act originally adopted in 1935, "ANY EMPLOYEE MAY HAVE HIS SOCIAL SECURITY NUMBER CHANGED BY THE Social Security Board BOARD BY PRODUCTION OF ACCEPTABLE REASONS.
Below are several reasons used by other people to obtain NEW SS#s. All with positive results!
1) Someone else has used your social security number and their misuse has caused you financial hardship, embarrassment and incorrect credit data.
2) In your younger years you had been arrested and your SS# had been recorded by the Police Department. And Since SS #s are used as a universal identification system by Databases, you are CONCERNED that your arrest record will be reported through the Databases. This will cause you severe harm, false arrests, financial hardship, and/or difficulty getting STABLE employment.
3) There is another person with a similar name as yours. This person's personal information is collected, and distributed by the databases, and reported to the credit bureaus. This has caused you extreme financial and personal hardship.
There are other reasons used by others like yourself. You will have to use one most suitable for you. The above ACT is a well kept secret within the Social Security Administration.
It is recommended that you submit your request in writing to your Social Security Administration. Be sure to include the following:
1) Why you are requesting a new number.
2) What happened that you are requesting a new social security number.
3) How has this event negatively effected your quality of life.
4) When did this occur? ( Example. This has happened in the past year or past and continues today)
5) Who or can anyone substantiate these facts ( Atty, Friend, Police, Accountant, etc.. )
6) Submit any supporting documents ( Credit reports, Police Reports, Driver's License, Court records, BK records, etc.. )
Send the above information along with FORM SS-5 ( this is the application for a new social security card ... call your local social security office ).
APPLYING FOR AN EIN #
If you apply for an EIN# you may call one of the IRS numbers listed below to receive an immediate EIN#. An EIN# is for anyone who is self-employed or who owns a small business (anyone can set-up a small business by declaring themselves a consultant). On the SS-4 form provide the name of your business and check the box titled "Started New Business".
For an EIN#, you may call one of the IRS numbers below to immediately receive your number.
IRS Service Centers:
New Jersey, New York City, and counties of Nassau, Rockland, Suffolk, and Westchester, call the Tele-TIN phone number 516-447-4955 or mail to :
IRS Service Center, Holtsville , NY 00501
New York (ALL OTHER COUNTIES), Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, Vermont. Call the Tele-TIN phone number 508-474-9717 or mail to : IRS Service Center, Andover, MA 05501
Illinois, Iowa, Minnesota, Missouri, Wisconsin. Call the Tele-TIN phone number 816-926-5999 or mail to: IRS Service Center, Kansas City, MO 64999.
Delaware, District of Columbia, Maryland, Pennsylvania, Virginia. Call the Tele-Tin phone number 215-961-3980 or mail to: IRS Service Center, Philadelphia, PA 19255
Kansas, New Mexico, Oklahoma. Call the Tele-TIN phone number 512- 462-7845 or mail to: IRS Service Center, Austin, TX 73301.
If you do not have a legal residence, principal place of business in any Internal Revenue District, send to: IRS Service Center, Philadelphia, PA 19255
APPLYING FOR A TIN#
If you apply for a TIN# you must mail the SS-4 Form to an IRS Service Center. On the SS-4 form, (and this is VERY important), check the box for "Banking Purposes" and then specify "Loan/Checking". Mail the form to one of the IRS Centers above and you should receive your TIN# in about a month.
Please note: BEFORE applying for either the EIN or the TIN make sure you have your new address and voice mail number. Use this new address and # on the SS-4 form.
Once you have acquired your new TIN/EIN#, your next steps are to establish a new credit file with the new #, and then to build your credit. Remember, you only have this chance ONCE. So be sure to not make the same mistakes again!!!
After you have established a new credit file, you will want to start building credit. Right now you have NO credit. No credit means Bad Credit to some creditors. Be sure to read our report on how you can get AAA credit overnight.
Whatever you decide to you, rember that lying on any credit applications is ILLEGAL. It's just common sense to know that if you lie about your name you will have committed a crime. If you falsified one or two numbers of your social security number you could infringe on someone else private information. And that's a crime by itself.
If you want to do it right, request that your creditors not associate your social security number and you as ONE. It's your right to PRIVACY.
My personal approach. I tell my creditors that I REFUSE to furnish my social security number because of IDENTITY THEFT. Anyone can type your social security number and learn every financial accounts you have. Now that's scary, and that's why you should never furnish your number unless it's for social security benefits and for income tax reasons.
It is up to you to decide which method is the best for you. The credit bureau's computer has to match a person's name, social security number, and personal information with what is stored in its memory banks or it will not be able to find the person's credit history. Anyone of the 3 variations mentioned above throws the computer off its search for a persons credit history and as a result a "no record found" is reported back to those performing the credit search. A "no record found" means that a new credit file can be compiled on a person based on the name and personal information used in the initial credit check and would belong exclusively to the person desiring to do such! Thus, a new credit file is in the makings.
WHAT YOUR SS# SAY ABOUT YOU
Your life seems to evolve around your social security number. Everything from getting a student loan, to opening your bank accounts, to buying or renting your home, to getting a job. Wouldn't it nice to know what it says about you. You didn't our federal government would simply issue a bunch of nine-digit random number on a first born first served arrangement would you?
The truth is, they do mean something. And since we are stuck with them, we might as well become better acquainted with the little bit of information these digits contain. It's quite fascinating.
Did you know that one out of every five people have a SSN that reveals he or she is in a sample group of workers and beneficiaries whose records are used for statistical research into the country's changing economic and demographic conditions? In other word, did you know that everything you do could be monitored? For the betterment of American society.
Secondly, every SSN reveals the state or area where the numbers were issued, or where the recipients resided at the time the card was issued.
With a little additional arithmetic, a person's SSN reveals how many people in the same area were issued SSNs previously. This is the easy part. For the rest however you need a step-by-step lesson on how to read the numbers.
Look at the last 4 digits of your SSN. If the number is anywhere from 2001-2999 or from 7001-7999, then you are part of the sample group. One of these numbers is given to every fifth person, which for practical reasons makes it a random sampling.
Now, let's take the rest of it in steps.
First let's consider the full 9 digit SSN. Its three parts are normally separated by hyphens. The first three digits are the area number, the next two digits are the group number and the final four digits are the serial number.
Only serial numbers are assigned to individuals on a normal first-come-first-served basis-and even this normal sequence is interrupted by special assignment of the 2000 and 7000 series.
The area numbers are assigned to locations as indicated below. Because a few locations were using up their numbers faster than anticipated, additional area numbers have been allocated in recent years.
Until 1972, the area number indicated the location of the social security office that issued the SSN. This was usually-but not always-the area where the recipient lived and worked.
Since 1972, the SSNs have been issued centrally and the area code now represents the person's state of residence as shown on the SSN application.
In addition, railroad workers assigned numbers before 1964 had a separate area code --700-728
The group number in the SSN, the two-digit part in the middle, has no special geographical meaning. Instead it is a solid indicator of how long ago a person received a SSN--if you are aware of the sequence by which the numbers are used.
Here is the order in which SSNs in any particular area are issued:
For each area the group number follows a particular sequence seemingly designed to discourage outsiders from thinking about it. The group sequence begins with odd numbers 01 through 09, then goes through even numbers 10 through 98, then even numbers 02 to 08 and finally odd numbers 11 to 99.
Each state goes through all of its area numbers with group number 01 and serial numbers 0001-9999 before starting to use group number 3.
For instance, the first SSN issued in New Hampshire was 001- 01-0001, the second was 002-01-0001, the third was 003-01- 0001 and the fourth was 001-01-0002. The fifth (remember that special sample category for every 5th SSN) was 001-01-2001. After the SSNs reached 003-01-9999, the next issued was 001-03- 0001, and so on. Serial number 0000 is never used.
Invalid Numbers That Are Not Yet Used By Social Security
Three or more leading zeroes
Ending in 4 zeroes
233 through 236
596 through 599
Leading number of 73 through 79
Leading number of 6 to 8
Leading number of 9 suspect, very few are issued and are special cases.
VALID SOCIAL SECURITY NUMBERS
001 TO 008 New Hampshire
004 to 007 Maine
008 to 009 Vermont
010 to 034 Massachusetts
035 to 039 Rhode Island
040 to 049 Connecticut
050 to 134 New York
135 to 158 New Jersey
159 to 211 Pennsylvania
212 to 220 Maryland
221 to 222 Delaware
223 to 231 Virginia
232 to 236 West Virginia
237 to 245 N. Carolina
247 to 251 S. Carolina
252 to 260 Georgia
261 to 267 Georgia
268 to 302 Ohio
303 to 317 Indiana
318 to 361 Illinois
362 to 386 Michigan
387 to 399 Wisconsin
400 to 407 Kentucky
408 to 415 Tennessee
416 to 424 Alabama
425 to 428 , and 587 Mississippi
429 to 432 Arkansas
433 to 439 Louisiana
440 to 448 Oklahoma
449 to 467 Texas
468 to 477 Minnesota
478 to 485 Iowa
480 to 500 Missouri
501 to 502 North Dakota
503 to 504 South Dakota
505 to 508 Nebraska
509 to 515 Kansas
516 to 517 Montana
518 to 519 Idaho
521 to 524 Colorado
525, 585 New Mexico
526 to 527 Arizona
528 to 529 Utah
531 to 539 Washington
540 to 544 Oregon
545 to 573 California
575 to 576 Hawaii
577 to 579 Distr. of Columbia
580 Virgin Islands
580 to 585 Puerto Rico
586 Guam, Philippines, etc.
700 to 729 Railroad
CREATING THE NEW CREDIT FILE
Once you have decided what personal information you want to use for your new credit file it is a simple matter to create the file and get the credit report on it. There are three ways to create the file. One way is to mail a letter to the credit bureau requesting for a copy of the file be mailed to you. The other is to go to the credit bureau to get your file. And last of all you can have a credit granting business that is a member of the credit bureau create a new file for you.
If you write to the credit bureau requesting a copy of your credit report be sure to use the name and personal information that you want to create your new credit file with. When the agency receives the request they will type all your information into their system (where it will stay) to see if there is a credit history that matches your information. When you receive this report back it will most likely state "no record found". When the agency types your name and personal information into the system to see if you have been granted credit before, that information will stay in their system. In other words even if it comes back "no record found" the system will still have your name and personal information listed within it. You now have created a file on yourself with in their system and truly taken advantage of the loophole in the system.
Remember that once a person gets the credit report back it will most likely say "no record found" on it. And this means that the new credit file has been created, it is clear to use that particular name and personal information as your new exclusive credit file. Now you can easily re-establish or rebuild your credit wisely on that file.
The credit bureau would rather deal with people by mail as opposed to having thousand upon thousands of people coming to their office. Also keep in mind it is utterly impossible for them to investigate even a majority of letters they receive for the accuracy of the information provided. The agency is more concerned with collecting the fees and keeping the work load down by sending out as many credit reports as possible. This means that mail is the best way to communicate with the credit bureau. Remember depending on the time of year you request your report it can take from one week to two months to receive the report back. It is worth the wait because that "no record found" is means there is new credit file for you along with a new credit report on it!
Once you have gotten the valid temporary driver's license or Id slip that they give you until the picture Id comes, you can go to the credit agency and request your credit file. They will have you fill out paper work in which you enter your new information. Then they will go to their computer and pull your credit report, thus creating a new credit file, for a small fee usually $8-$10.
The safest way to go about creating a new credit file is to go to a business such as a jewelry store that is a member of a credit bureau and reports to them on all their clients. Take your valid temporary or permanent Id that you will be using to create your new file and apply for an inexpensive piece of jewelry on credit (about $100). They will give you a credit application to fill out. Then they will go to their credit bureau's computer terminal in their office and run a create check. They will place your name and personal information into the system in order to pull your file, thus creating a new credit file on you in the process! Next they may want you to give them a $20 deposit on the jewelry with the rest of the cost to be paid in small monthly installments. After making your first payment on the jewelry the following month they will report to the credit bureau that you have paid as agreed and it will show up on your new credit file as an A-1 rating.
Remember, you may be denied credit for the first few times. That's because you haven't built enough credit for banks and lenders to trust you.
After you have established a new credit file, you will want to start building credit. Right now you have NO credit. No credit means Bad Credit to some creditors. Be sure to read our report on how you can get AAA credit overnight.