2015

Create Your New Credit File

Your New Credit Profile

1/1/2015

Introduction
It's next to impossible to live in today's economy without some form of credit as you probably already
found out or you would not be reading this booklet.
If you have filed for bankruptcy or have some other blemish in your current credit history which
prevents you from getting credit, my booklet will present you with a solution. It's important to know
you are among millions of Americans who are not deadbeats but just got caught up in the easy credit
era or met with unforeseen circumstances.
Now you can set up a new credit file and regain your self-esteem, self-worth, and creditworthiness. You can do it in about 45 days instead of having to wait for years for those mistakes and
unavoidable circumstances to be rectified.
It is important to say too that you will only get this chance once, so guard your new, clean file. Maintain
good records and use your common sense. Make a commitment to achieve your goals in a more
realistic and down-to-earth approach and thus guarantee your success. Everyone deserves a second
chance. Dont make the same mistake twice.

Create A Brand New Credit File!

This is not credit repair
You will be establishing a completely new file, separate from your present file. Everything you
need is provided for you in this book.

Is it Legal?
You can create a NEW credit file by simply completing a form provided by the Federal
Government and follow this four step process. This new file will be established with all major credit
reporting agencies, but will not contain any of your current bad credit history, including bankruptcy.
With this program you can figure about 45 days to start over and begin re-establishing your credit.

This is for everyone

Anyone can use this method but federal regulations make it impossible for you to do this more
than once in a lifetime. So you will have no third chance. Otherwise what would stop those inclined to
cheat from defrauding current and future creditors.

You can get credit in about 45 days

It will take as much effort and patience to start this time as it did when you started establishing
your first credit history. I remember trying to get credit and being turned down because I had no
credit or insufficient credit. Its the same this time, but by doing as this plan outlines you should be
able to get credit in about 45 days following your establishment of a new file. But remember too, 45
days or even a little more is nothing compared to the 7 to 10 year wait for your old file to clean itself up.
Follow the program and be patient, because the results will be worth the wait. You deserve good credit,
but it takes a little work, effort and time.

A little about Social Security

You have probably noticed that everyone wants your Social Security number these days.
Schools, lenders, banks; everyone seems to want it. Why? Because it is an easy way for individuals and
the government to identify and keep track of you. It is one number you are supposedly stuck with your
whole life. The law only requires you to have a Social Security number to work in the United States. It
does not require you to put it on anything that will produce revenue for your account with a very few
exceptions found in the Privacy Act of 1974. In a nutshell, this says that no federal, state, or local
government agency may deny you any right, benefit, or privilege for refusing to provide your Social
Security number, unless there is a law or regulation on the books adopted prior to 1975 that specifically
authorizes the demand for the number. You must give your Social Security number to the Internal
Revenue Service, Franchise Tax Board and the Social Security Administration. You are required to give
your employer your Social Security number in order for your employer to prepare the necessary tax
records for the IRS and Social Security Administration. Your employer by law cannot divulge your Social
Security Number to anyone. In fact, the IRS cannot divulge your Social Security Number to anyone. The
only thing that IRS can verify is if the Social Security Number you are using is valid.
That is why you will be acquiring a Taxpayer Identification Number (TIN) that is associated with
your name. Then if anyone wants to verify the TIN with the IRS they will state that the TIN is valid to
your name and the IRS cannot divulge any information about you.
You are not required to give your SSN to anyone else, including creditors, hospitals, doctors,
credit bureaus or any other private firm that wants to keep track of you.
If you have to give and identification number, you should have a taxpayer identification number,
(TIN) which you will acquire according to step one outlined in this book. This TIN will be used to set up
your NEW credit file.
This TIN can only be acquired once in your life time, so be careful how you use it.
This is not to be confused as to securing a new Social Security Number. If you want to try to
secure a new Social Security Number, you must contact the Social Security Administration.

How the major credit bureaus identify you

Every credit bureau has a particular system of file retrieval that allows them to identify the file
of each person in their system. It is necessary to identify each file in such a manner as to separate
individuals with similar names and addresses so that Robert Smith will not appear on the file as Bob
Smith. However, no bureau has yet come up with a perfect system of file identification. That is why you
will sometimes see items on your credit report that belongs to someone else with a similar name.
The credit bureaus have two basic types of file identification. Type A is used by TRW and
Equifax. The second system, Type B is used mainly by TransUnion.
File Identification system Type A
The following sequence of information is entered into the computer system in an attempt to
match an existing file. If the information does not match, a new file is created.
1. Last Name
The computer only recognizes the first ten digits of the last name. Letters must match an
existing file, or a new file will be created and the computer will stop the search. Otherwise the
computer will proceed.
2. First Name
If the last name matches an existing file, the computer will continue by matching the first three
letters of the first name. If the first name matches an existing file with the same first name and last
name, it will then proceed to match other segments. Otherwise a new file will be created.
3. Middle Initial
Once the last name and first name have matched, the computer will proceed to match the
middle initial. If all segments match, the program will continue. Otherwise it will create a new file
or skip the middle initial and proceed with the checking.
4. Spouse
If married, the spouses first initial will appear after the file holders middle initial. If not
married, the computer will proceed to match other segments.
5. House Number
After matching all the above segments, the computer will proceed to match the first five digits
of the house number and continue.
6. Street Name
The computer will proceed by matching the first letter of the street name.

7. Zip Code
The computer will proceed to match address with zip code. If five years or more at present
address, the computer will stop. A search revealing persons with similar names and addresses will
result in the files being merged and a flag will be added to the file.
8. Previous Address
If less than five years at present address, the computer will check previous addresses. The
computer can hold up previous addresses, but will usually list only the last three.
9. Date of Birth
The computer will proceed to match the year of birth only. You do not have to use your
complete date of birth. Only enter year of birth on any applications you make.
10. Social Security Number
The computer will proceed to match all of the previous elements with the Social Security
Number. If the Social Security number does not match the previously reported number, a flag will
be added to the file. The credit bureau also maintains files on Employer ID numbers (EIN) and
Taxpayer ID numbers (TIN).

File Identification System Type B

This system is based entirely on the applicants Social Security number (SSN), Employer
Identification Number (EIN), and Taxpayer Identification Number (TIN). If it does not match the
name, a new file will be created.
NOTE: Some credit grantors will use several credit bureaus to verity the information given by an
applicant. If you understand how the credit bureau identifies you, then you will understand
how to establish a new file.
The four steps to set up a new credit file
The following are the four steps that you must follow in order to set up a NEW credit
file and give you a 2nd chance with credit. Remember, you only have this once in a lifetime 2nd
chance. If you dont follow this program, the credit bureaus could merge your old file with your
new file and all your hard work will go down the tubes.
Step One
How to get yoru new Taxpayer Identification Number from the IRS.
Step Two
How to set up a new mailing address, telephone number and proper identification
Step Three
How to create a new credit file with the credit bureau
Step Four
How to avoid having your new credit file merged with your old credit file

Important Notice: If you have a spouse, it is important your spouse be included in the program.
If you do not include your spouse, your personal credit file may be at risk. The additional
information pertaining to your spouse is extremely important, please review the section called
How to get a second chance with credit for the spouse.

Step One
How to get your new Taxpayer Identification Number from the Internal Revenue Service
Recall that your Taxpayers Identification number is referred to as a TIN. You need this
to start a new credit file.
Go to your local IRS office, call them at 1-800-829-FORM and request form SS-4. Dont
volunteer why you want it. It is used for a number of reasons. You can also go to www.irs.gov
and download the SS-4 form.
NOTE: Before competing the SS-4 review the important strategies later in this booklet.
When you receive the SS-4 form do the following please follow the Complete instructions
outlined in this booklet.
After completion of the SS-4, make a copy for your records. Mail the SS-4 to the Internal
Revenue Service Center. You can get the correct mailing address from the SS-4 Form.
NOTE: Before sending the SS-4 review the important strategies at the end of STEP ONE. DO NOT
call the number shown on the instructions to receive your new ID number directly from the IRS
Always use the US MAIL to get the ID number.
Strategies for completing the SS-4
NOTE: The following strategies should be reviewed with an attorney to avoid any possible
violation of state or federal laws.
Do you live in one of these states?
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Hawaii, Florida, Idaho, Kansas,
Louisiana, Mississippi, Montana, Nebraska, New Mexico, Nevada, N. Carolina, N. Dakota,
Oklahoma, Oregon, S. Dakota, Texas, Tennessee, Utah, Washington, Wyoming?
If so, you will have to use the address of a friend or relative, or a mail receiving service,
as the address you provide on the SS-4 form.
Important: This address will have to be located in on of the following IRS Service Center areas.
REASON: To secure a TIN number that is less than 62-6999999. Here are the IRS Service Center
loacations to use:
Georgia, S. Carolina IRS Center, Atlanta, GA 39901
New Jersey, New York City IRS Center, Holtsville, NY 00501 and counties of Nassau, Rockland,
Suffolk and Westchester

New York (all other counties) IRS Center, Andover, MA 05501

Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, Vermont
Illinois, Iowa, Minnesota IRS Center, Kansas City, MO 64999
Missouri, Wisconsin
Delaware, D.C., Maryland IRS Center, Philadelphia, PA 19255
Pennsylvania, Virginia
Indiana, Kentucky, Michigan IRS Center, Cincinnati, OH 45999
Ohio, West Virginia
If you live in a state other than those listed in the first paragraph above, you can file
yoru SS-4 with your current address, and with the IRS Service Center where you currently fill
your tax return.
If you have no legal residence, principal place of business, or principal office or agency in
any IRS District, send to:
IRS Center, Philadelphia, PA 19255
DO NOT SEND the SS-4 form to any of the following IRS Service Centers:
Austin, TX

Ogden, UT

Fresno, CA

Memphis, TN

REASON: Credit bureaus do audit information they receive; they have programs that
automatically discover items that are invalid, raising flag alerts on credit reports. Using a TIN
number that did not also meet the parameters of a SSN sould likely be such a Red Flag Alert
The first three numbers currently NOT USED by the Social Security Administration are:
233 through 236
596 599
627 699
729 999
If you receive a TIN in those number ranges, and you use it for establishing credit, it will
raise a Red Flag Alert at the credit bureau. If you get one, this program may not work for you.
However, you can still try to obtain a new SSN as outlined on the IRS website.

Social Security Number Classification

The Social Security Number is structured as follows:
First three digits indicate where Social Security number is issued.
Middle two digits indicate that approximate year the card was issued, 00 was never used.
Odd numbers of 05-07-09 were issued in the late 1930s, and the even numbers of 10 or greater
were issued in the later years.
Last four digits is a sequential number indicating where the card is issued.
The following chart shows the first 3 digits of the social security numbers assigned throughout
the United States and its possessions. The same area, when shown more than once, means that
certain numbers have been transferred from one State to another, or that an area has been
divided for use among certain geographic locations.
SSN Area Number

Location

001-003

New Hampshire

004-007

Maine

008-009

Vermont

010-034

Massachusetts

035-039

Rhode Island

040-049

Connecticut

050-134

New York

135-158

New Jersey

159-211

Pennsylvania

212-220

Maryland

221-222

Delaware

223-231

Virginia

232

North Carolina

232-236

West Virginia

237-246

Not Issued

SSN Area Number

Location

247-251

South Carolina

252-260

Georgia

261-267

Florida

268-302

Ohio

303-317

Indiana

318-361

Illinois

362-386

Michigan

387-399

Wisconsin

400-407

Kentucky

408-415

Tennessee

416-424

Alabama

425-428

Mississippi

429-432

Arkansas

433-439

Louisiana

440-448

Oklahoma

449-467

Texas

468-477

Minnesota

478-485

Iowa

486-500

Missouri

501-502

North Dakota

503-504

South Dakota

505-508

Nebraska

509-515

Kansas

516-517

Montana

518-519

Idaho

SSN Area Number

Location

520

Wyoming

521-524

Colorado

525,585

New Mexico

526-527

Arizona

528-529

Utah

530,680

Nevada

531-539

Washington

540-544

Oregon

545-573

California

574

Alaska

575-576

Hawaii

577-579

District of Columbia

580

Virgin Islands

580-584

Puerto Rico

586

Guam

586

American Samoa

586

Philippine Islands

587-665

Not Issued

667-679

Not Issued

681-690

Not Issued

691-699

Not Issued

700-728

Railroad Board**

729-733

Enumeration at Entry

750-772

Not Issued

Instructions for completing the SS-4 to secure your TIN Number

1) Filling in the form:
Item 1 Print your complete name
Item 2 Print business name
Item 4a Mailing adderss within the IRS district where you are filing
Item 4b City, State, Zip in IRS district where you are filing
Item 6 County and State in IRS district where you are filing
Item 8a Check individual and enter your SSN
Item 8b Not applicable
Item 9 Check Started New Business (Even if you do not actually start a new business, it is presumed
that you intend to start one.)
Item 10 Date started business use current date
Item 11 December
Item 12 Not applicable
Item 13 If you have no employees, enter 0 in all three boxes
Item 14 Enter type of business. Example: Mail order/Sales/Consulting etc
Item 15 Answer NO
Item 16 Answer Public (retai)
Item 17a Answer NO

Print your name and title clearly. Telephone number may be optional, as not everyone has a telephone
number, particulary a new business. Sign and date the SS-4.

2) Obtaining your TIN/EIN from the IRS:

You have four optionsmail, fax, phone or online at
https://sa.www4.irs.gov/modiein/individual/index.jsp. You can mail the complete form to one of
the offices indicated earlier. You can call one of the regional IRS Service Centers where your mailing
address is located. Telephone numbers are listed on page 2-3 of the SS-4 form. If you call, the IRS
center will ask you the information on the completed SS-4 form, and will issue you a EIN/TIN. Enter
the number in the upper right hadn corner EIN, then mail the SS-4 form to the IRS Service Center
where you acquired your EIN/TIN, immediately.

IMPORTANT: Do not use the EIN/TIN number until you receive complete notification from the IRS
that the number has been issued to you. There is a high percentage that if you call youll be issued a
number that cannot be used. So please mail your form in or fill it out online because you will be
stuck with the number you receive.

Step Two
How to set up a new mailing addres, telephone number and proper identification
After you receive your Taxpayer Identification Number you will need to obtain the following:
a. New Mailing Address
b. New Telephone Number
You need a new mailing address and telephone number for your new credit file.
New Mailing Address

To create a new file in your own name, you will first need to get a new mailing address. You
cannot, however, use a mail forwarding service like The UPS Store. Most of the credit bureaus antifraud computer software programs will detect the address of most of The UPS Stores addresses and
mailbox rental firms in a given area.
An alternative method of getting an address is to use an address of a trusted friend or relative.
It is important that you do not use the same zip code that you currently live in. It is also important if you
use a friend or relatives address that they do not have the same last name as you do.
DO NOT rent a mail box from the US Post Office. Under the Freedom Of Information Act anyone
can request the name and address of the box holder for a total cost of one dollar.
DO NOT use any previous addresses that you have used in the past. The reason is that one of
the credit bureaus tests is for current and prior addresses. By using your current and/or prior address,
the credit bureau can bridge you new file to your old file.
Change the address on your Drivers License to an address different from your current residence
and your new mailing address. Youll be asked for it at credit bureaus, new banks you open accounts
with etc. as ID. Use your place of employment or friends or relatives, or a Post Office box for reasons
of privacy, some states allow different addresses on licenses. If you must show your Social Security
number on your license, use your Tapayers ID number.
NOTE: When you apply for credit, some credit applications ask for your drivers license number. It is
better to leave that area blank, because some credit bureaus may use the driver license number as
additional verification. But, if you received a new drivers license number, enter your new drivers license
number on the credit application.

New Phone Number

You are traceable through your phone number by creditors and credit bureaus for file purposes.
You have the following options:
Get rid of your current number and get an unlisted or unpublished number. Request the phone
company to send your bills to your new mailing address. If questioned, answer that it is a service you
use for paying bills and to maintain your privacy.
You can port your number into Google Voice or sign up for a Skype Alternative number. There
are other services available where you can have secondary phone number that rings to your same
number.
You can also get a second telephone number from a Voice Mail company. You put your own
personal recorded message on the Voice Mail telephone number and when anyone calls they think they
have reached your home or mobile answering machine.
As a result of the Privacy Laws, and because the voice mail telephone number has the mailing
address of the company offering the voice mail service, it cant be traced back to you without a court
order. In many cases the telephone number can be ordered from the voice mail companies without
giving your home address at all. The voice mail company will leave a message for you in your voice mail
box as a reminder to send in payment. You also can have the voice mail company send your invoice to
your new mail box address that you have acquired.

To accomplish and maintain Credit File Separation you must only use your:
a.
b.
c.
d.
e.

Your name
New telephone number
New address
New TIN
Year of birth

Step Three
How to create a new file with the credit bureau
The first phase is to apply for credit using your new Taxpayers ID number, current name, year of
birth, new phone number and new address. Secure any credit card application from a major mall
department store. Apply by mail or online, but not in person. Give yourself time to review the
information to make sure youre not providing any old credit file details. Remember, the first time you
apply for credit is just to open a credit file.
More than likely youll be declined your first time applying because of insufficient or no credit
history. But regardless of the outcome, you have achieved your major objective: a NEW CREDIT FILE.
The second phase is to open a checking and savings account in a new bank or credit union
youve never done business with after you have been notified that you were declined credit from the

credit application that you completed in the first phase. Use your Taxpayer ID number when asked for
your SSN and use your new address and phone number and drivers license for ID.
The third phase is to open a secured VISA or MasterCard account at a bank which offers them.
A Secured Card is a card that uses a savings account as collateral. Your credit limit will be equal or
more that your deposit.
After you get a secured card, buy gas with it and other small items and pay the card off at the
end of each month. DO NOT begin paying the minimum monthly payments. Paying the card off each
month will go directly onto your credit file and will look very favorable. The bank will eventually raise
your limit when they see you are such a good credit risk and dont exceed your credit limit.
Apply now for gas credit cards. Pick up applications at neighborhood gas stations. At some gas
stations they have a special application form if you already have a VISA or MasterCard. Gas cards are
easy to get if you have a major credit card. Mail in the application or fill it in online, if possible.
The fourth phase is to apply for credit at small stores. They are simple and less thorough than
major stores. Dont quit until you succeed, someone will give you credit. Try small furniture stores
theyre easy to obtain credit cards or a line of credit from. On the other hand, dont apply too many
times in the first six months because youll arouse suspicion of the credit grantor if too many inquiries
appear in your name at one time at the credit bureau. Remember the more times youre turned down,
that negative response is recorded on your new file, alerting future creditors.
NOTE: Some small stores you establish credit with may not report good credit. Call them and ask if they
do. If not, tell them to report your good standing with them because you need their good
recommendation. Remember to apply by mail or online.
You can call or seach online for banks that offer Secured credit cards. Just call them and ask
them to send you an application. If they want to take the information over the phone, tell tehm you
prefer having an application mailed so you can review the banks terms and conditions. This gives you
the opportunity to be sure you do not give the bank information which may link you to your old cerdit
file. Always maintain control and never allow the banks or whomever youre dealing with to rush you
into a possible error.

Step Four
How to avoid having your new credit file merged with your old file
DO NOT apply for credit where you have had credit in the past.
DO NOT open a new checking or savings account with anyone you have done business with before.
DO NOT use any prior credit references on any new credit applications.
DO NOT record prior addresses, phone numbers, vehicles, etc. on new credit applications.
DO NOT be tempted to use old credit references which were favorable to you because you will be
bridging them from your old file.

DO NOT put your spouse on new appliations.

DO NOT use your new ID number when dealing with doctors, dentists, hospitals, etc. Use your old Social
Security number just as you always have.
DO NOT give your new ID number to services like lawn care, garbage collectors, auto dealers, and in
particular insurance agents, insurance companies, and the like.
DO NOT use personal checks from your old banks to pay creditors who are in your new file. Some
businesses keep records of your checks and could create a link to your old file.
DO NOT give anyone your new Taxpayer ID number whom you have any contact with in the past who
could link you with your old file. This is crucial to assuring you keeping the two separate.
DO NOT use your Social Security Number on any new credit applications, nor your previous address of
phone number.
IMPORTANT NOTICE: Your Social Security Number is required only on Federal and State Tax returns, by
the Social Security Administration, where you work, and government agencies requiring it by law.
Dont give it to creditors, doctors, hospitals, etc. because Federal Law does not require it.

Additional Thoughts On Getting A Second Chance

The question is often asked when youre applying this second time for credit, why dont you
have any credit? Some people say they were just discharged from the Armed Forces and spent several
years stationed overseas, or that they are self-employed as a reason for no past credit or employment
history.
Some people transpose or reverse the month and day for their birthday on credit applications.
Thats not a good idea. Its better to leave an item blank. When asked for your birthday, just enter your
year of birth.
There is an old saying that goes, never volunteer any information you are not specifically asked
for. If there isnt such a saying, ther is now.
Also remember, the smaller the business you apply for credit to, and the smaller line of credit
you request, the greater your chance for success.
Its important that you follow all four steps and the instructions carefully. You must also guard
your new credit file and pay all bills promptly. Only use the new Separated Credit if you are sure you can
repay it. If you dont, you may end up having your old credit file appear on your new credit report.
After establishing new credit, pay your bills on time each month. This is not only your second
credit chance but also your last. Pay your bills on time, set emergency cash aside, put your paycheck
into a savings account until your credit card comes do and pay it of. Dont spend what you dont have
and get into this mess again.

New Credit File Flow Chart

Step 1
Read this manual several times
Step 2
Request a copy of your current credit report from all credit bureaus that serve your area
Step 3
Secure a new Taxpayer Identification Number from the Internal Revenue Service
Step 4
Open an alternate new mailing address at a trusted friend or relatives home without the same name
Step 5
Get a new or secondary telephone number
Step 6
Review the items in step four of this manual
Step 7
Create a New Credit File using this procedure outlined
Step 8
Request a copy of your new credit file to verify its content
Step 9
Open a checking and savings account with your new Taxpayer ID Number
Step 10
Join a local credit union and open up a savings account
Step 11
Apply for a loan at a credit union backed by your savings account as collateral
Step 12
Pay off credit union loans in two or three months
Step 13
After you pay off your first loan, get another secured loan and do step 12 & 13 over

Step 14
Apply for Secured VISA or MasterCard
Step 15
Apply for department store or oil company accounts
Step 16
Protect your new credit identity and do not abuse your new credit. You only have a second chance at
your new credit file once in your lifetime.

How to get a second chance with credit for the spouse

It is important that you follow the program exactly as outlined for your spouse. Your spouse
should establish a separate credit file and maintain and protect it like you will your new file. This file
should be completely separate from yours.
You and your spouse should not apply for credit at the same places. You greatly increase the
likelihood that the creditor, or the credit reporting frim will bridge your old and your new credit files
when you and your spouse individually or jointly apply for credit under the same names. Credit bureau
reports on one spouse will often contain the other spouses name.
It is important to follow the information contained in this book for each spouse as if they are a
separate entitiy.
Once youre back on your feet financially, it may be tempting for you and your spouse to
combine files and save the yearly costs that the credit companies charge on each card. But remember, if
one of you gets in credit trouble again, you can always keep one of your files paid or simply not use it all
and keep the other to fall back on later. That way when youre fighting to get back on your feet you
both wont have to start over as you are now.
Credit is very important, so dont abuse this second chance. Work to pay off all your credit
obligations and most importantly keep this new file current. Try budgeting and setting aside some
money in a savings account for emergencies. The public library is a good source for budgeting help.

BONUS INFORMATION
You can Establish Gold Card Credit in 30 days
The following information was acquired from an attorney and a former security employee of a
major credit bureau.
If you want to enjoy good credit immediately without working your way back into it by the usual
method of applying with small firms and then to the larger, try this if you have a very near and trusted
friend willing to go out on a limb for you.
The method to establish Gold Card Credit in 30 days is to use the credit history of a trusted
friend or relative. It is important that you review the credit file of your trusted friend or relative before
using this method. You want some one whose credit history is A-1 and does not have any problems with
it.
It is quite simple Get a trusted friend to get you a card on their account, most credit card
companies allow this.
Do not charge on it, just give it to your friend as soon as it comes in. We only want to borrow
his/her good credit, not use it. The moment you are signed on to his account, their good credit status is
linked to your credit file immediately. Order a credit report and find out for yourself! You now have their
history on your account. Do not do this too much as it will show over extension and you will be denied
credit in the future. Keep it limited to once or twice. I hope you have learned from this system and will
put into use all the steps correctly and accurately and honestly. This is a simple system that anyone can
do.