Credit Repair

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 about a person's birthdate,
address 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 what'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 andas a result a - no record found - is reported back to those performing the credit check. 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!

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.

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CREDIT SECRETS
In the event you decide to change your name to create your 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 go to the to 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 same time tell them you want to make both a name and address change on your license or ID. In California they'll do this on your word no 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 charge 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 had it along with their application for renewal and their fee to the clerk. Then 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 having to get any changes on it, even though when you applied for 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 of ID. The clerk will only want to check to see if you have the name of their card on your ID or license.
But if you plan on obtaining major credit and 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 same 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 birthdate. So because of this your birthdate must remain the same regardless which way you create your new credit file.
Some other states other than California 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 could 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. 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!

Once that you have decided what 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 being 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 end 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 gave 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, birthdates, date of birth, place of employment, etc.

Your goal is to act like you went 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 end 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! Since your name and personal information stays in their system once they type it in to pull the report end 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 then likely have
a - no record found - 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 beck from them in the mail. Just be patient end wait for it because it's going to be sent beck 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 end personal information. Then they'll go to their computer an 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 en 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 smell 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 end it will show up on your new credit file as an A-1 rating.

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The Best Way to Create Your New Credit File
The way that seems to he 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 a jeweler and get them to create their new credit file for them. Like I said this is working out with less problem than the other ways I've described to you. But it's up to you to decide which way you want to go about doing it for your self.