How to create a new credit file legally uk

I had a bad credit rating and could not buy anything on credit. I tried a couple of those Credit Repair places, that did not help. I purchased several credit aid programs. After trying all of them this one worked for me. I now have good credit and have bought a new car and a house, I currently have 3 Visa credit cards and a Sears.

I feel if you follow the directions in this manual, you to will have good credit. A lot of work went into this booklet for your benefit. I truly hope this is the solution you were looking for. You will understand credit better, how the credit system works and most important How to get your credit back. Please do not use this information illeagally. Some people will try to take advantage of this system and provide false information to get new credit.

We are very much against this. If you are lie on your applications, the penalties could be fines and jail time. This is a legal system , not to be abused in any way. Providing false information for the purposes of securing credit and or identity is a federal offense. This program can be used by anyone , ONCE! The system only requires one form to be filled out, that's it.

It will take about a few months to start building up your new credit, but that is typical of a new credit file. How long did it take you to get credit the first time around? Be patient and careful and most of all thorough! Do not expect to go out and be able to buy a new car tomorrow, that is not how this works.

Patience is the key, read this program, follow the instructions precisely and soon you will be on your way to new credit. First I must explain to you how the Credit bureaus identify you out of the millions of people on file. An awful lot of people have similar or same names, addresses, zip codes, DOB's and more.

The CB's need a way to identify you. It is not a foolproof system some people get mixed up with others and credit files get merged. This is what the CB's try to avoid, and the system they use is as follows:. Name- Last name and first The first 10 digits of the last name, and the first name are compared. Middle initial- if there is a match on the first and last name, the middle initial is used to verify. The CB's are constantly cross matching files, to get an accurate representation of the person the file belongs to, any and all previous addresses, jobs, or other pertinent information will be entered into your credit file if it matches the criteria above.

This prevents you from simply altering your SS and sending in a new credit application, the CB's will recognize the other criteria, and simply add the new request to your current file. Thus, if you have bad credit, it will be seen. This happens when you change addresses, jobs apply in different states and so on If you have bad credit, and you give a.

And this is where our system becomes unique, you are not fooling anyone, not lying, with this system you are just avoiding the matches that would normally deny you credit. Understanding how the CB's identify you is the first step, now you know what they look for, lets now turn our attention on the first step of the program.

The First step is to get a TIN, which is a taxpayer identification number. You get one from the IRS. It is used to identify home based businesses and the like. So you are in effect applying for a business tax ID number not literally. You do not have to say why you want it, but you can say that you are going to start an MLM or some type of home business, which you should. You will receive the form within 2 weeks at most. The instructions for filling it out the will follow, but first read and understand the questions on the form.

Fresno, Ca. Ogden, UT. Take the time to read our instructions and understand them before sending the form, if you do not follow the steps, all your efforts will be in vein, and you will never again get the chance to get a new file. When you have received the form, look it over carefully. You will need to fill in the following parts.

Check websites to see the range of cards. Application is quick and simple. You need to make a deposit to open a secured card account. You will get a credit limit of up to two times your deposit. Interest is payable on any balance outstanding each month. If you pay the total amount due each month there are no interest charges.

Payment history is reported to credit reporting bureaus. Get a store card. Apply online or in the store. Interest charges on outstanding balances can be high but they are easier to get than a regular credit card.

Pay the full balance each month and no interest is charged. Payment history is reported to the credit reporting bureaus and assists in creating a new credit file legally. Set automatic monthly payments for your gas, electricity, water and telephone. Utility companies report to credit reference bureaus. Payments are recorded on your credit file. Stephen Benham has been writing since His current articles appear on various websites.

Benham has worked as an insurance research writer for Axco Services, producing reports in many countries. He has been an underwriting member at Lloyd's of London and a director of three companies.

Benham has a diploma in business studies from South Essex College, U.