CreatingABrandNewCreditFile WIZCREDITGURU

2015 Create Your New Credit File

Your New Credit Profile 1/1/2015

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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 r eading this booklet. If you have filed for bankruptcy or have some other blemish in your current cre dit 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 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 approach and thus guarantee your your success. Everyone deserves a second chance. Don’t 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 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 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 r e-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. lifetime. So you will have have no third chance. Otherwise what would stop those 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 est ablishing your first credit history. I remember trying to get credit and being turned down because I had “no credit” or “insufficient credit”. It’s the same this time, but by doing as this plan outlines 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, 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 Social Security

You have probably noticed that everyone wants your Social Security number these days. Schools, lenders, banks; everyone seems 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 requires you to have a Social Security number to work in the United 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 S ocial Security number, unless there is a law or regulation on the books adopted prior to 1975 that specifically authorizes the demand for the number. number. You must give your 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 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 trac k 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 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 Soc ial Security Number, you must contact the So cial 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 t he file as Bob Smith. However, no bureau has yet come come up with a perfect system of file identification. That is why you will sometimes see items on your cr edit 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 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 does not match, a new file is created. 1. Last Name

The computer only recognizes the first 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 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 spouse’s first initial will appear after the file holder’s middle initial. 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 m atch the first five digits of the house number and continue. 6. 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 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 at present address, the computer will check previous addresses. The computer can hold up previous addresses, but will usually list only the last thre e. 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. 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 Security number does does not match the previously reported number, a flag will be added to the file. The credit bureau also maintains files on Employer Employer ID numbers (EIN) and Taxpayer ID numbers (TIN).











File Identification System – Type B

This system is based entirely on the applicant’s Social Security number (SSN), Employer Identification Number (EIN), and Taxpayer Taxpayer Identification Number (TIN). If it does not match the name, a new file will be created. NOTE: Some credit grantors will use several c redit bureaus to verity the information given by an applicant. If you understand how the credit bureau identifies you, then you will understand understand how to establish a new file. The four steps to set up a new credit file

The following are the four fou r steps that you must follow in order t o set up a “NEW” credit nd file and give you a 2 chance with credit. Remember, you only have have this once in a lifetime lifetime 2nd chance. If you don’t follow this program, the credit bureaus could merge your old file with your 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









Step One How to get your new Taxpayer Identification Identification Number from the Internal Revenue Service

Recall that your Taxpayer’s Identification 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. SS-4. Don’t volunteer why you want it. It is used for a number 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 SS -4 form do the following please follow the Complete instructions outlined in this booklet. After completion of the SS-4, make a copy copy for your records. Mail the SS-4 to the Internal Revenue Service Center. You can get the correct mailing mailing address from the SS-4 Form. important strategies at the end of STEP STEP ONE. DO NOT NOTE: Before sending the SS-4 review the important call the number shown on the instructions to rece ive your new ID number directly from t he IRS Always use the US MAIL to get the ID number. Strategies for completing the SS-4

should be reviewed with an attorney to avoid any possible possible NOTE: The following strategies should 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,









New York (all other counties) – counties) – IRS IRS Center, Andover, MA 05501 Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, Vermont Illinois, Iowa, Minnesota – Minnesota – IRS IRS Center, Kansas City, MO 64999 Missouri, Wisconsin Delaware, D.C., Maryland – Maryland – IRS IRS Center, Philadelphia, PA 19255 Pennsylvania, Virginia Indiana, Kentucky, Michigan – Michigan – IRS 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; the y have programs that automatically discover items that are invalid, raising raising flag alerts on credit reports. Using a TIN number that did not also 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:









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 05-07-09 were issued in the late 1930’s, and the even numbers of 10 or greater

were issued in the later years. Last four digits is a sequential number indicating where the c ard is issued.

The following chart shows the first 3 digits of t he social security numbers assigned throughout the United States and its possessions. 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 New Jersey









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











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 Virgin Islands









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 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 district where you are filing Item 8a Check “individual” “ individual” and enter your SSN Item 8b Not applicable Item 9 Check “Started New Business” (Even if you do not actually not actually start a new business, it is presumed that you intend to start one.) Item 10 Date started business – business – use use current date Item 11 December Item 12 Not applicable Item 13 If you have no employees, employees, enter 0 in all three boxes









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 you’ll 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 t o 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 forwarding service like “The UPS Store”. Store”. Most of the credit bureaus antifraud computer software programs will detect t he address of most of The UPS Store ’s addresses and









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 unpublished number. Request the phone company to send your bills to your new mailing address. 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 r ings 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 Pr ivacy Laws, and because the voice mail telephone number has t he mailing address of the company offering the voice m ail service, it can’t be traced trac ed 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 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.









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 driver’s 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 se cured 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. payments. Paying the card off each month will go directly onto your credit file and will look very favorable. favorable. The bank will eventually raise your limit when they see you ar e such a good credit risk and don’t exceed your credit limit. Apply now for gas credit credit cards. Pick up applications at neighborhood gas stations. stations. At some gas stations they have a special application form if you already 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. Don’t quit until until you succeed, someone someone will give you credit. Try small furniture stores they’re easy to obtain credit cards or a line of credit from. On the other hand, don’t apply too many times in the first six months because bec ause you’ll 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 you’re turned down, that negative response is recorded o n your new file, alerting future creditors. establish credit with may not not report good credit. Call them and ask if they NOTE: Some small stores you establish











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 service s like lawn care, garbage collector s, auto dealers, and in particular insurance agents, insurance companies, and the like.

your new file. Some DO NOT use personal checks from your old banks to pay creditors who are in your 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 cr edit applications, nor your previous address of phone number.









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









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









BONUS INFORMATION You can Establish Gold Card Credit in 30 days

The following information was acquired from an attorney and a former sec urity employee of a major credit bureau. If you want to enjoy good cre dit 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 with it.

CreatingABrandNewCreditFile WIZCREDITGURU

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