Rebuilding credit?

[da buck]

If you have to file bk this may be a temporary solution. Open as many credit cards as you can right now. Max them out with cash advances and hide it. When you file the bk claim you have a gambling problem and that is where all the cash went.

This only helps if you can get a large amount of cash.

 

[ktljfausa]

Unfortunately when I left she got duplicates of all of my cards and just kept on living and living.

I had BOA cards with $30,000 limites, think I had like 3 or for of those size from diff companies, she maxed them all out

Just waiting decision on house now before I do something

 

[lonny41]

Hi, I'm a total noob to online stuff and have nothing to offer so I just read and learn every day and thank everyone for sharing.

When you talk about your credit problem I have something to offer, that's my element, I scammed that way for years.

Here;s a loop hole for you, but it's a real pain in tha ass but garanteed to work. Lose your ID, all of it, chuck it, destroy it, whatever. Go to the cop shop and tell them you lost it and fill out a report. Take a copy of that report to the government place you get a replacement SSN card from Give them a copy of the report and file for a new SSN. The government will generate you a new one. The old one is comprimised as far as they're concerned, anybody could be using it for anything, but you're off the hook because you filed a police report.

When you get your new number use that, but do not use any old address or addresses attatched to the old number, apply for credit from a new address always. No old phone numbers either. you're a new person to the credit agencies unless you slip up and they tie you to an old credit file.

tax ID's don't really work anymore, the credit companies are wise to that old trick.

I've had numerous people tell me over the years that what I just detailed won't work. Well I know it does work, I've done it.

Your new credit will be low to start, but, it will get jacked up pretty quick if you pick the right cards. I used to read the stocks and see which credt card company or bank was down that quarter, and sure enough they'd be handing the damn things out left and right. I'd get one and buy everything on that card and pay it off and they would jack it up like crazy.

 

[ktljfausa]

I thought there was no way I could shake this social number. I was on my way to the cemetary looking for someone my age I could then go to the hall of records and get a replacement birth certificate.

Then was gonna use that to go get a new drivers license, then head to the social security office to get that new number

Lots of damn work to become someone else just to get credit..but in the end it is worth it to me.

Now I hear I can just go get a new number. Honest to God its that easy.

Groan.....Think of the possibilities. New physical addresses are not a problem. Your talking to someone that has to move anyway

Anyone else done this?

 

[lonny41]

Yes you can, a lot of people don't know that, it is that easy. I grew up around pro fraudsters, they taught me a lot of tricks.

 

[Eglobalmoguls]

This would be a good idea if you told them it was stolen. But if its lost they will tell you to call you state health department and get a copy of your birth certificate and go to your s.s office and get a copy of a social security. (this is what a few books tell you if you were to go to the old loompanics or eden press some of the id change books tell you to do this.) Lost is not enough although if you want to lie and say it was stolen and some of the accounts on your report is not yours and get a police report yes you can get a new id. But if you lost it they could replace it? Huh?

Business credit does work if you know what you are doing but you could of been sold by some imcompetent people. For every 1 competent person there are 9 non competent. People sell people on bullshit all of the time. Head over to credit boards forum. Look up a guy name super credit man this Pimp has close to 2 million dollars in credit and about 1 million of that is business. Took him 3 years to do and most people don't have that type of patients or as soon as they don't get the golden ticket in the first candy bar give up. Perseverance is what seperates the big dogs from the poor. I don't have nothing close to 1 million in business credit but i have acheived 6 figures in a liitle over a year on a new company and have other credit lines on a few companies. So this shit works. Yes most compaines will ask for a personal gurantee if you don't have tradelines on you credit profile so you go after the easy accounts first the merchant accounts. Staples, best buy, sears, exxon, shell, so on so on. Once you get your paydex and a rating you can play at the next level. Then you get your cash cards followed by you bank lines of credit.

You will have to personal gurantee your bank lines of credit there is not such thing as striclty on a tax id.
you will have to personal guarnatee you business credit cards besides 5 of them.
5 of them as longs as you have a strong credit profile you can x out the pg box.

Yes they got hip to it alot of years ago so its not as easy as before and alot of compaines 5 years ago you could of did it with don't do it anymore. But it still works 100% just a different formula of tradelines.

If you don't think business credit works don't take my word as its only one person check out credit boards com and looking at the hundreds of members with business credit without personal guarantees. Go to the business credit section look up approved business lines and look at the hundred or so posts that they got approved.....

When you reported your shit lost what did 5.0 say? they didn't tell you to replace it?

KTJL i would go as far as saying your shit was stolen for what you wife did and play it like that. I know you can get a new i.d. for that or get all your shit deleted and put a credit freeze on your profile. so she dosn't do this shit again. I WOULD NOT FILE BANKRUPTCY THAT SHIT WILL FUCK YOU FOR A WHILE!

Better to wait out the state statue of limitations for taking you to court by hiding then reappear when they cant take you to court and settle for pennies on the dollar for complete deletions not settlements as the ball is in yoru court as they cant sue you for it.

Or go the stolen route just depends on you balls and ethics. You will figure out what is best for you.

 

[lonny41]

BTW, the old cemetery trick is a sure fire way to land your ass in jail, it's old and everyone is wise to it, never try it. That ID could easily be tied to a serious criminal or crime or whatever.

I had a scam going for years with an algorythm program that I generated new numbers with, not entirely new, but just playing with variations of my own and changing my name a bit here and there, the spelling, or dropping my middle name etc. I lived off that scam for years.

The loophole I gave you is a one shot though, you can't keep doing it, so pick a better woman next time.....j/k

 

[dbrown]

Kt,

This is the first stage of complaince.
There are 3-5 stages of credit lines taking you from simple credit like sprint and staple to more advance of cash credit cards without a social security. As soon as you are finished with this stage pm me and it will post the next stage for everyone here. Its alot of typing but if you are serious i will post the next stages so complete this first.

I would very very much appreciate the next steps. Im at that point, and you seem like the don of credit round here..

:usa:

 

[ktljfausa]

Well I got lots of balls and no ethics. I lived on the business credit thing for ten years before she got copies of my cards and ruined ten years of work.

I will do whatever it takes to get that back. no matter the time effort or struggle, or cost.

This is simply my quest to expand my knowledge base. I got what I got by luck and trial and error.

Eglobalmoguls has taught me more in 24 hours than I ever knew. I do not care about abandoning the old me or old profile and disappearing has always been my main goal,

I have not been caught doing anything wrong in ten years, and will not now. I really do not care if what I do is legal or not, just that it gets done without incident

I just need to learn, and then put it in place. Everyone keep sharing.

I lost my social security card years ago and Eglobalmoguls was right they told me to get a certified copy of my BC and stand in line.

I would love to get a new one, but have no clue if it can be done

Thanks

 

[ktljfausa]

Oh and for the record I am not filing bankruptcy. Too much pride for that

Never gonna happen

 

[Eglobalmoguls]

Love it! alot of balls and not ethics a man of my own stature and just about everyone else here on this forum.... LOL keep up the good work you will be alright kid. Florida has a 4 year statue of limitations on revolving credit and a 5 year on written credit they can take you to court. With the tradelines being in the thirty thousand dollar range its a good possibility they will try so you would have to dodge it this amount of time if you don't file bankruptcy. Or if you opened the accounts in other states check those statue of limiations and those timeframes apply. A friendly state would be north carolina as its only 3 years. This is the basic time you have to hide out and don't reapply so they don't serve you. Don't have the correct address on you license and don't apply for credit or you might just get a suponea for one of these debts.

ON the personal side if i was in you shoes and take my advise like a grain of salt and make you own decision based on you educating yourself to make that desicion. I would pay the bitch back. Report the cards stolen since she did not have your permission. Get the letter from the police station. Then certify it to all 3 credit bearuos. They clean your credit off and then put a fraud alert on your credit. Now it sounds nasty but its not. when a company checks your credit the credit bearo will send a letter to you to verify you before they give you the credit line. This fraud freeze stays on your reports with experian, equifax, and transunion, but you get to keep your good credit and can still get credit. The house is another situation. Im stomped on that one. I have never had to fix a foreclosure so i could not give you this piece of advise you would have to find it somewhere else. I would probalbly ball that one up in a package deal with blaming your wife.

 

[kahamri]

I would very very much appreciate the next steps. Im at that point, and you seem like the don of credit round here..

:usa:

yeah man, keep it coming.

 

[Eglobalmoguls]

Ok guys the next stage after you set up your company and do basic compliance is you need to start building tradelines. You have to find the easyist approvals without personal guarantees. You have to build your profile and get a paydex with the biggest business credit buearo dun and bradstreet. At that same time you are looking for companies that will report to all credit agencies. There are 3 major business beauros and many small ones. But the #1 one business credit company you need to stroke is duns and bradstreet. The second and is getting close is business experian. Equfiax is way behind although they dominate personal credit.

There are ways to add tradelines of massive advantage quickly that own businesses either by using partners or friends. But they have to have had a duns number for atleast a year. This will be a later lesson.

Right now you got your company you need your foundation. A paydex of 80 with duns and work on business experian also. You need to get the easiest approval accounts so companies know you pay your business bills on time and you exist. This is the basic core foundation so you can take the next step.

So these are the easy accounts only you take this next step if you got the compliance done.
Apply for these cards or business accounts and spend atleast 100$ so they report. Pay them off as soon as possible and never pay anything late or your will have to start again with a new company.
There our companies that will approve by the age of your company. Secret #1 if you started doing business for 3 years but only incorporated yesterday you can use when you started business. So you say you have been in business over 2 years if you have been as a sole propertor this long. Even though you incorporated yesterday. If not just say the truth you can still get credit just not as large of tradelines for being aged just like a domian and seo with google. Age matters in business credit so the longer you have been in business the easier you can get credit. That is why they are advantages of buying shelf corporations or aged companies. Its gives you a massive jumpstart. So know this lesson is for a new business. YOu need atleast 5 accounts reporting to duns and bradsteet while all the time also you are looking for lines that report to all agencies.

Apply for the easiest cards. Hint (citi backed banks are the easiest) and companies that offer supplies etc. Remeber some accounts report monthly, some quarterly.

Apply 6 accounts a month no more. First 3 months.
Apply.
Month 1
1. Staples revolving
2. Sprint ( cell phone or wireless card) reports to all agencies fast. net 30
3. Bellsouth/At&t (cell phone) Net 30
4. Uline (supply Company) Net 30
5. Quill (supply company) net 30
Uline and quill call them and tell them you want to set up a business credit account. You will have to buy cash your first purchase the next one they will give you credit for. Pay as soon as you recieve it. The others are self explanitory.

Pay all fast.

Month 3
1. Exxon Mobile Gas Revolving
2. shell Gas Revolving
3. Connocco 66 Revolving
4. Office Depot
5. Dell Business Credit

Month 4 check you eupdate on dun and bradstreet and see if you got your paydex so you can start working on you next level of business credit. Remember as soon as you open these account buy something for 100$ and pay it fast. The best thing if you cant use it see what you can sell on ebay for so you can get some of your money back or buy something you will use in your day to day business. Let me know when your guys are done and i will tell you the next level.

Ciao,
Eglobalmoguls

 

[LloydDobbler]

great stuff thanks. this will help me with mine as well.

 

[brookshire]

Hi, I'm a total noob to online stuff and have nothing to offer so I just read and learn every day and thank everyone for sharing.

When you talk about your credit problem I have something to offer, that's my element, I scammed that way for years.

Here;s a loop hole for you, but it's a real pain in tha ass but garanteed to work. Lose your ID, all of it, chuck it, destroy it, whatever. Go to the cop shop and tell them you lost it and fill out a report. Take a copy of that report to the government place you get a replacement SSN card from Give them a copy of the report and file for a new SSN. The government will generate you a new one. The old one is comprimised as far as they're concerned, anybody could be using it for anything, but you're off the hook because you filed a police report.

When you get your new number use that, but do not use any old address or addresses attatched to the old number, apply for credit from a new address always. No old phone numbers either. you're a new person to the credit agencies unless you slip up and they tie you to an old credit file.

tax ID's don't really work anymore, the credit companies are wise to that old trick.

I've had numerous people tell me over the years that what I just detailed won't work. Well I know it does work, I've done it.

Your new credit will be low to start, but, it will get jacked up pretty quick if you pick the right cards. I used to read the stocks and see which credt card company or bank was down that quarter, and sure enough they'd be handing the damn things out left and right. I'd get one and buy everything on that card and pay it off and they would jack it up like crazy.

Can anyone vouch for this? Seems too easy to be true.

 

[10kay]

whew eglo, sure schooled me, yes, please keep it coming!

 

[nonguru]

Try this site...

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