Creating A Completely New Credit File

The most questionable form of credit repair is File Segregation. It completely gets around the credit reporting bureaus because it creates a new credit file with a clean slate. It is perhaps the only 100% effective method of erasing extremely bad credit overnight.

This method first came to light about ten years ago when a couple of credit repair specialists found a hole in the identification system used by the major credit bureaus.

They discovered that some of their clients had more than one credit file. It just so happened that there are many more credit files at the bureau than there are consumers. This bit of information brought them to the realization that there was a weak link in the file identification system.

They learned the most effective methods to create these new files. These methods include, changing your name, changing your address, creating a new social security number or transposing the numbers of your current number. The process is easy to do.

Is It Illegal?

These credit repair specialists believed that creating more than one file was not an illegal act and this may be true. Creating a new credit file becomes illegal when it is used to commit fraud or break laws. i.e. applying for a loan under false pretenses.

So they started creating new files for consumers at $3,000-4,000 each. This gave their clients the ability to "start over." Since then, this method has been picked up by many, many credit repair agencies. It is simple to do and they can charge big dollars for it.

I know of at least 25 web pages that will perform this operation for you for a price. I strongly suggest that you stay away from them like the plague!

Your Obligations Don't Go Away!

Creating a new file does not erase your previous debt or obligations. They are just stored in an alternate place in the credit bureau.

The Federal Trade Commission (FTC) published a bulletin warning consumers to be aware of unscrupulous credit repair companies that offer to create a new file. Some of these companies suggest that you use a EIN (Employer Identification Number) in place of your Social Security Number. They have the same amount of digits and the purpose is to create a new credit file.

The FTC sayes, it is a federal crime to make any false statements in a loan or credit application. It is a federal crime to misrepresent your Social Security Number. It is a federal crime to obtain a EIN from the IRS under false pretenses.

You could be charged with mail or wire fraud if you use the mail or telephone to apply for credit and provide false information. You may guilty of civil fraud under many state laws.

People who use an EIN in place of the Social Security Number, for the purpose of creating a new credit file, could be criminally liable for falsifying tax records. Credit repair agencies who promote this program could be liable for participating to defraud the government.

Yes, file segregation works... but I've also been told that robbing banks can make you lots of money.

Well... What Does Work?

That subject is what my book, "60 Day Guaranteed Credit Repair!" is all about.

Here Are Some Of The Credit Secrets You Will Learn...

  • How you can use our Simple 3 Step Program to quickly and easily clean the credit problems you have with retail stores, major credit cards, car loans, mortgages and gas credit cards.

  • How to erase your bad credit with one easy letter even if you've tried before and failed. It's easy if you know the secret to wording your letters. We give you the pre-written letters, word-for-word. (All you have to do is highlight the letters, copy them, and paste them into your word processor.)

  • How you can get a new mortgage for a home with little or no down payment... regardless of your credit history.

  • How to erase all the negative information from your credit file... no matter how bad it is.

It Does Work... Legally!

Click here to see proof. And if that doesn't convince you, read my guarantee below.

But it doesn't cost $3000... It doesn't cost $300.

It doesn't even cost $100.

You get this downloadable e-book for only $49.95!

For the valuable information you are buying (information that I guarantee will change your financial life), it is an extremely good buy. Order now or read on to find out more.

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Take a look at our amazing....

One Year Risk Free Guarantee!

I guarantee that the credit repair guidebook will be the answer you've been looking for... no ifs, ands, or buts. My


If you are not happy with this guidebook for ANY reason, just return it within ONE YEAR... and I will immediately and cheerfully refund your money... no questions asked. YOU BE THE JUDGE!

(Note: It will only take you 60 days to prove to yourself that the guidebook is extremely effective, but I'm making this full, One Year Money back Guarantee because I want to show you that I am 100% confident that this easy, 3 step system for cleaning your credit really, truly works!)

Download the book today, your credit card bill won't arrive for 30 days. If you don't like it... return it and your credit card will be credited the same month. The money will never have left your pocket.

Click Here To Download This Valuable Book!

Still Not Certain That The 
Credit Secrets Guidebook Can 
Clean Your Credit In 60 Days?

Still Skeptical?

Here is Undeniable Proof that this system for cleaning your credit really works! Read this and then click the "Back" button on your browser.

And to make the deal sweeter...

Here are 5 FREE Bonuses included ONLY if you buy before the deadline posted on the main page!



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FREE BONUS FOUR - Last, but not least, you will receive a list of Secured Credit Cards that you can get even if you have bad credit.
One of the best ways to rebuild your credit after you remove all of the negative information on your credit report (using the techniques and systems you will learn in the Clean Your Credit E-book), is by getting and using one of these great, easy to qualify, secured credit cards. 

It doesn't matter how bad your credit is... you will still qualify.

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So that's it!

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"60 Day Guaranteed Credit Repair!"


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