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Dedicated to revealing knowledge that the Credit bureau, credit grantors & money lenders don't want you to know!

Getting Around Bad Credit:

There's only one way that people are freeing themselves from the shackles of bad credit and that is to create a new credit file on themselves within the credit bureau's computer system. This new file will not have any of your previous credit on it. And as you read on you'll see exactly how to make sure that only your new credit file surfaces when someone is running a credit check on you. This sounds complicated but it's very, very simple as you'll see.

In the credit bureau's computer system are millions of people's names, personal information, and credit histories. With so much information stored on so many people it's common to find many people with the same names and birthrates. Some of these cases maybe in the same city. The credit bureau has many identities entering their system for the first time or leaving permanently because of the thousands of births and deaths in America each day. Because of the vast number of people in this country and the massive amount of information being stored on every aspect of our lives, accompanied by increased legislation that restricts the ability of different computer agencies to cross reference or exchange information on citizens, a complex situation exists the limits even the most powerful computer system's ability to keep track of these gigantic' reservoirs of information compiled on the American people! People that create new credit files on themselves understand these things very well.

Contrary to popular belief the computer is not foolproof. It can't think yet, so therefore, it's venerable to those that realize this. As it stands today they don't have artificial intelligence and can only act on what's put into them. The way people create a new credit file the credit bureau lacks the safeguards to protect itself from out side manipulation and are limited in their ability to tell if the information that's input into their system is accurate or inaccurate. And because of this there's hardly ever an investigation done on those that create a new credit file because of " how " they manipulate the system to their advantage. Taking all this into consideration, we've discovered the avenue through which new credit files are created called the "LOOPHOLE"!

Your Name and Personal Information:

There are 3 ways that people create a new credit file. One is to use their same name with different personal information. Another is to use the same personal information with a different first or last name. And last of all, they use an alias name with the same or different personal information. When I speak of personal information I'm talking abound a person's birthrate, social security number, address etc, etc.

It's up to you to decide which way is best for you. The credit bureau's computer has to match a person's name and personal information with that's stored in it's memory banks or it won't be able to find the person's credit history! Anyone of the 3 variations mentioned in the previous paragraph throws the computer off in it's search for a person's credit history and as a result a "no record found" means that a new credit field can be compelled 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!

Just keep reading if you will and Ill show you how easy it is to get a drivers license or State ID card to match the name and personal information a person uses to create his new credit files! And Ill also show you how to establish credit on your new credit file.

Let's say that your name is John Doe and you were born on Jan. 28, 1945, your social security number is 000-00-0000 and your adders is 1234 Credit avenue. Florida Alaska. Now let's say that your credit is bad enough to get you turned down whenever you apply for additional credit and you want to get around this obstacle. If you changed your first name to another that starts with a different letter other than the first letter of your real name, such as Robert Doe instead of John Doe, and used your same personal information, a "no record found" would surface during a credit check! If you kept your first name and changed your last name to another one that starts with a different letter other than the first letter of your real last name, such as, John Williams instead of John Doe, and used your same personal information, then a no record found" will also surface. If you kept your real name, both first and last, along with your real birthrate (birthrates must always stay the same in order to match with the birthrate on your license or ID) and changed everything else in your personal information then a "no record found" would surface also.

With a completely different first and last name or alias you can keep all your original personal information or make up new personal information (Remember that your birthrate must always stay the same and a "no record found would surface both ways.

If for same unforeseen reason someone else's credit history shows up when trying to create new file it means that you've accidentally chose information that caused the computer to tap into another person's file that has the same name you're using. In the event this happens you'll have to repeat the creation process until a "no record found" shows up. Remember that a "no record found" means that the file is clear, not being used by anyone else and is exclusively yours!

Many States especially Florida and California allow people to use aliases for a number of reasons. People, whose names are well known use aliases to escape publicity as they travel, check into hotels etc, etc. While some wealthy people use them to hide certain assets of theirs from the public's view. Some of these people have drivers licenses, social security numbers, credit cards and other credit in these names! A lot of them borrow money in these aliases. Some people have several aliases with a credit file on each name in the credit bureau's computer!

Choosing a Social Security Number:

Your social security number is the most important factor that has to be "adjusted" before creating a new credit file! If you decide to keep your same name, your social security number must be different in order to throw the computer off in the creation of your new credit file.

If you decide to change the first, last or both parts of your name you can keep the same social security number. You don't have to worry abound having to show proof of the social security number you use when applying for credit at most places. Creditors usually ask only for your license or State ID. And in just about all cases they'll take your word as to what your number is if you tell then you don't have a social security card.

That's in a Social Security Number " Read it carefully. It lists the different numbers in a person's social security number (the first 3) that represents the State a person was born in. When changing your social security number all you have to do is substitute your first 3 numbers or State code with those of another State. The rest of your numbers can stay the same.

If you use a different social security number to create your new credit file you must also use the State whose 3 digit code you're using as your place of birth in your new personal history because the computer system has the State codes built in them and can spot false social security numbers or those prefixed with the wrong State code when used with your place of birth! Remember that if you're changing your name you can keep your real social security number. The only time you'll change it is when you're keeping your real name.

It you're changing your real name you can also have the people at the Social Security Office to give you another card with your new name and same number printed on it. This way you'll have two social security cards. Each one will have the same number and a different name. All you have to do is go to their nearest office and apply for a name change on your card. Then all you have to do is show them your license with your new name on it (more about this as you keep reading) and also show them some type of proof of your original name. NO COURT ORDER IS REQUIRED. And they'll mail you a copy of your new card with the name change on it. The social security office could careless about the credit bureau's computer business or file records to issue you a new social security card.

SSN: WHAT'S IN A NUMBER?

SSN, are meaningless Not so. They have meaning; although it's quite limited since we are stuck with them we might as well become better acquainted with the littler bit of information these digits contain.

For instance one out of every five persons has 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.

For all SSNs, a proper reading will reveal the state or area where the numbers were issued, or where the recipients resided at the time.

With a little additional arithmetic, a person's SSN reveals how many people in the same area were issued SSNs previously. Drawing some of this information from the SSN in easy for the rest, however, you need a step-by-step lesson in how to read the numbers.

The Easy Part is this:

Look at the last four digits of your SSN If the number is anywhere from 2001 to 2999 or from 7001 to 7999. Then you are part of the sample group. One of these numbers is given to every fifth person. which for practical purposes makes it a random sampling.

Now, Let's take the Rest of it in Steps:

First, consider the full, nine-digit SSN its three parts are normally separated by hyphens. The first three digits are the area numbers. The next two digits are the group numbers and the final four digits are the serial number. Only serial numbers are assigned to individuals on a normal first-come-served basis-and special assignment of the 2000 and 7000 series interrupt even this normal sequence. The area numbers are assigned to locations as indicated in the table. Because a few locations were using up their numbers faster than anticipated, additional area numbers have been allocated in recent years. 4

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. Also railroad workers assigned numbers before 1964 had a separate area code-700 to 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 an 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 sequential numbers 0001-9999 before starting to use group number 03. 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 fifth SSN) was 001-01-2001. After the SSNs reached 003-01-9999, the next issued was 001-03-0001, and so on. Sequential number 0000 is never used.

Invalid Social Security Numbers:

1. Three or more leading zeroes

2. Ending in 4 zeroes

3. Leading number of 73 through 79

4. Leading number of 6 to 8

5. Leading number of suspect very few

Valid Social Security Numbers

001 to 008 New Hampshire 575 to 576 Hawaii

004 to 007 Maine 577 to 579 Dist. of Columbia

008 to 009 Vermont 580 Virgin Islands

010 to 034 Massachusetts 580 to 585 Puerto Rico

035 to 039 Rhode Island 586 Guam, Philippine 040 to 049 Connecticut Islands & Samoa. 050 to 134 New York 700 to 729 Railroad workers 135 to 158 New Jersey

159 to 221 Pennsylvania

212 to 220 Maryland

221 to 222 Virginia

232 to 236 West Virginia

237 to 245 No Carolina

247 to 251 So Carolina

252 to 260 Georgia

261 to 267 Florida 5

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 417 Tennessee

416 to 424 Alabama

425 t0 428 587 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 Missoun

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

520 Wyoming

521 to 524 Colorado

525 to 585 New Mexico

526 to 527 Arizona

528 to 529 Utah

530 Nevada

531 to 539 Washington

540 to 544 Oregon

545 to 573 California

574 Alaska

Your New Drivers License or State ID:

After you've decided which way you want to create your credit file you'll have to get a drivers license or ID to match. If you decide to keep your real name and use different personal information to create your new credit file all you have to do is have a routine address change on your license to match the one used for your new credit file. In the event you decide to change your name to create you new credit file you'll have to get a duplicate license or ID to match the new name you're going to use. All you have to do is to go the driver's license bureau. Give them your license or ID number but don't let them know that you have your license or ID with you. Then tell them you want to get a duplicate license or ID because you've misplaced the original. At the sometime tell them you want to make both a name and address change on your license or ID. In Florida they'll do this on your word not requiring a court order. In fact, they can't refuse to do this for you because it's standard procedure.

They'll give you a sheet of paper to check the answers to a few questions. After you've completed the sheet give it back to them with the fee they change to do everything. Then they'll take your picture and issue you a valid temporary drivers license or ID with the changes on it. It shouldn't take more than 3-4 weeks for you to receive your permanent picture license or ID. It will be good for 6 years. Doing things this way you'll have two licenses or ID's. One will be in your real name with your real address on it and the other will be on in your changed new credit name with your new credit address on it. When time comes to renew your license or ID, be it the real or changed one, simply take the license or ID for either one of them and hand it along with their application for renewal and their fee to the clerk. Them they'll take your picture and renew it. And it's just that simple!

If you choose to create your new credit file by keeping your real name and using different personal information, you don't have to go to the drivers license bureau if all the new credit you want is in the form of credit cards only. In most cases all that's on a credit card is your name without an address or other personal information. So you can use your original license or ID without the cards you used a different address. The reason why you can do this is because when you use a credit card there's no address on it for a clerk to try to match with your license or ID. The clerk will only want to check to see if you have the name on their card on your ID or license. But if you plan on obtaining major credit that will require you to come before people to show your license or ID then you'll have to get a duplicate with the address on it along with the name you'll be using.

One last point that needs to be made about your new duplicate license or ID that you might have to get is that even though the drivers license bureau will change your name and address on your word they won't change your birthrate. So because of this your birthrate must remain the same regardless which way you create your new credit file. Some other States other than Florida require for you to bring in a court order to the drivers license bureau for a name change to take place on your license or ID. Most attorneys charge $200-$700 for a name change. But if you fill out all the papers yourself, which is simple to do, it will cost you only $10!

Once you sign the papers take them to the county court clerks office and leave them with the clerk along with your $10 fee. The next day or two you'll be able to pick up the court order for your name change signed by the judge. In order for the name change to take effect you have to advertise it in a local paper. If you got the court order and didn't advertise the name change it wouldn't be official and therefore wouldn't appear on your record. This is just that you want! Take the court order to the drivers license bureau and they'll make your name change on the duplicate license or ID that' you'll be using for new credit purposes. But don't advertise the name change so it won't appear on your record!

Creating the new Credit file:

Once that you have decided that name and personal information you want to use for your new credit file it's 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 will 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's a member of the credit bureau create the new file for you.

If you wrote to the credit bureau requesting a copy of your credit report in the name and personal information that you decided to use for your new credit file, then they would mail you a report on that file after they have typed your name and personal information into the system (where it will stay) to see if there's a credit history on the information you sent them. When you receive the report back from them it will more than likely have "no record found" on it. As I've stated, when they type your name and personal information into the system to see if there's a record of you being granted credit before, that information will stay in their system. In other words the computer will absorb the information you supplied them into their system as a new credit file when they search for any credit record in the name and personal information you give them. And even if it comes back "no record found" it will still have in it's system your personal information such as your name, address, birthrate, social security number, place of birth, place of employment etc, etc. Your goal is to act like you want your credit report so you can take a look at your credit history. What they won't know is that you already know that you don't have a credit history in that name and personal information and that this is your way of manipulating them to create a new credit file on you by performing a search for what they think is your file, thus creating another one for you in the process! Sense your name and personal information stays in their system once they type it in to pull the report and a new credit file is created in the process, then you have truly taken advantage of the loophole in the system to get your new credit file created!

Remember that once a person gets the credit report back it will more than likely have a "no found record" on it. And this means that the new created file has been created, it's clear to use the name and personal information you supplied, and the new credit is exclusively yours! 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 much as possible as opposed to having thousands upon thousands of people coming to their offices each day throughout the country.

Also keep in mind that it's utterly impossible for them to investigate even a small amount of letters they receive, much less all of them, to see if the information people are supplying is accurate or not, they are more concerned with collecting the fees and keeping their work load down by sending out as many credit reports as possible than they are at finding the very small amount of letters from those smart enough to create a new credit file on themselves.

So because the mail is the best means for them to communicate with the public, along, with the many variables and sometimes complex circumstances that warrant a person requesting a copy of his credit report, the credit bureau has no other choice but to send the requested report without question as soon as possible regardless if the information the person is using is accurate or not! The fact remains that you will have a new credit file created in their system along with a new credit report on that file! Depending on the time of year you request the file it could take from one week to two months to receive it back from them in the mail. Just be patient and wait for it because it's going to be sent back to you!

Once you've gotten the valid temporary driver's license or ID slip that they give you until the one with the picture on it comes, you can go down to the credit bureau with it and get a file created on the spot by requesting a copy of your credit report when you get there. They'll give you a paper to fill out asking for your name and personal information. Then they'll go to their computer and pull your credit report, thus creating a new credit file, for a $8-$10 fee.

The safest way to go about creating a new credit file is to go to a business such as a jewelry store that's a member of the credit bureau and reports to them on all their clients. Take your valid temporary or permanent picture ID that you'll be using to create your new credit file and apply for an inexpensive piece of jewelry for about $100 on credit. They will give you a credit application to fill out. Then they'll go to their credit bureau's computer terminal in their office and run a credit check on you by typing into their computer system your name and personal information in order to pull your credit report, 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 you make 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.

The Best way to Create Your new Credit File:

The way that seems to be working best for people is for them to use their same name and birthday with all the other personal information being changed. This way the only thing that has to be done at the driver's license bureau is a routine address change.

And instead of trying to go to the credit bureau or write them to get the new credit file created it works out better for people to go to the jeweler and get them to create their new credit file for them. Like I said this is working out with fewer problems than the other ways I've described to you. But it's up to you to decide which way you want to go abound it for your self.

Caution:

All responsibility for the use or misuse of this information lies solely on the reader. This report is sold only as information.