Credit Information Secrets E-book.pdf

Loading ...
Global Do...
News & Politics
Page 1 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
 
The Credit Information Secrets E‐Book 
 
Table of Contents 
 
Introduction (Book For Informational and Entertainment Purposes Only) ... 3 
How Attaining Two Credit Profiles Is Possible .............................. 4 
Various Methods Explained .................................................................. 6 
How The Privacy Act Protects You ................................................................. 9 
One Method Explained – Attorneys method ................................................................ 11 
Generating Your New Credit Profile ............................................................................. 16 
Other Methods To Attain A CPN .................................................................. 18 
The Only 100% Legal Way To Have A Second Credit Profile ........................................ 19 
+ How To Boost Your Credit Score To Over 700 in 45 Days .......................................... 19 
+ Learn How To Get 100K In Unsecured Credit ............................................................ 19 
How To Protect Your Clean Credit File .......................................... 22 
Protecting Your Assets ................................................................................ 24 
How To Establish Credit Fast ................................................... 25 
Trade Line Vendors Explained ................................................. 27 
The Guide To Repairing Your Own Credit ........................... 28 
Step 1 - Pull Your Credit ..................................................................... 28 
Step 2 - Dispute Items........................................................................ 30 
Date Of Last Activity Explained ........................................................................ 33 
Example Dispute Letters .............................................................. 36 
This Is an Example Letter to Send To the Credit Bureaus ..................... 37 
Example Letter To Creditors/Collectors ......................................................... 38 
Next Page Includes Examples Of Text To Write In – Do Not CopyExample of Text 
To Write In Letters ................................................................................................. 38 
Example of Text To Write In Letters ............................................................... 39 
Request For Free Credit Report Guidelines from each credit bureau 39 
Incomplete Reporting Issue Example ............................................................ 39 
Incorrect Balances Example ............................................................................... 40 
Incorrect Credit Limit Example ......................................................................... 40 
Credit Limit Dispute When On Collections .................................................... 40 
Undated Late Pay Dispute Example ................................................................ 40 
Page 2 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
Incorrect Account Type Example ..................................................................... 41 
Date Of Last Activity Example ........................................................................... 41 
Date Updated Discrepancy ................................................................................. 41 
Past Due Amounts After Close .......................................................................... 41 
Date Of Last Activity Follow Up Example ...................................................... 42 
Example Dispute Letter To Send To Collections Agencies ..... 43 
Example Request For Creditor Documentation .......................................... 43 
Step 3 - Removing Items ................................................................... 44 
Step 4 – Settlement ............................................................................. 45 
The Fourth Credit Bureau ................................................................... 47 
How To Get Into A House With No Credit Check ....................... 48 
How To Get Rid Of Debt Collectors ................................................. 49 
Building Business Credit ............................................................. 50 
The Tax Benefits of a Corporation ........................................ 50 
What State To File your Corporation In ............................ 51 
Why should I file in Nevada? ....................................................................... 51 
Why should I file in Delaware? ................................................................. 52 
Protecting Personal Credit With Business ..................... 53 
List Of Incorporation Services ................................................ 54 
Develop Business Credit Quickly ........................................... 55 
How to Attain Aged Corporations ......................................................... 55 
How To Develop Trade Credit ................................................................... 56 
Aged/Shelf Corporation info .................................................. 60 
Offshore Incorporation .............................................................. 62 
Panama Asset Protection Secret ........................................................... 63 
Offshore Incorporation Specialists .................................................... 64 
How To Get Deposit Loan Program ........................................ 66 
IRS Small Business Tax Center ................................................ 70 
PAYDEX LOAN – CREDIT REPAIR .................................................... 72 
This concludes the Credit Information Secrets E-Book, we 
will be sending ....................................................................................... 74 
 
Page 3 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
Introduction (Book For Informational and Entertainment Purposes Only) 
 
The term credit profile number is a very general term used to 
describe all numbers that are used for credit purposes.  As you 
will soon see, the number has little to do with your profile. 
 
Only a few numbers are given by the United States government 
and the Internal Revenue Service.   
 
The main profile number to be used for all employment, 
government and personal tax information is your Social 
Security Number.  This number has become the staple of many 
financial institutions when it comes to lending credit.  This 
number was never designed to be used for credit purposes and 
was mainly created to be used to attain your Social Security 
Benefits.   
 
The idea of everyone having a national ID number such as a 
Social Security Number was actually quite a radical idea.  This 
number was never designed to be used as it is today. Today our 
Social Security Numbers are used by every financial institution, 
and you can’t even rent a movie without giving it up.  
 
According to the United States Privacy Act of 1974 Title V: 
"It shall be unlawful to deny any individual any right, benefit, 
or privilege provided by law because of such individual’s 
refusal to disclose his or her social security account number" 
 
Also it states, "Any Federal, State, or Local Government Agency 
which requests an individual to disclose their Social Security 
Account Number shall inform that individual whether the 
disclosure is mandatory or voluntary, by what statutory or 
other authority such number is solicited, and what uses will be 
made of it."       
 
The Full Privacy Act Can Be Found Here: 
 
http://www.usdoj.gov/oip/privstat.htm 
Page 4 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
How Attaining Two Credit Profiles Is Possible 
 
The past few decades have seen the development and use of a 
variety of methods to attain a second credit profile.  Before you 
get you new credit profile, consider these things: 
 
1. It is illegal for consumers to purposely conceal adverse 
credit histories from banks and lending institutions. 
2. Your Second Credit Profile does not dismiss any of your 
previous liabilities. 
3. Tax Returns and this number will not match – for 
financing 
4. Verification through SS card becomes impossible 
5. Banks are now verifying SS Numbers with different 
methods 
6. Not Legal if you intend to conceal poor credit history 
   
 
Getting your-self a clean credit profile has little to do with the 
government at all.   
 
The Credit Bureaus have enormous databases that have to 
manage and maintain millions of records.  These highly 
advanced technological apparatuses are not fool proof by any 
means.  In fact, they have a glitch in the system that will allow 
you to create a clean credit profile for yourself. 
 
Credit Bureaus base your score and credit history off of specific 
criteria including a Nine-Digit credit profile number with name, 
address, and a variety of other criteria.   
 
Generating a new credit profile under your name will have to 
do with using different information with a new credit profile 
number to establish a second credit profile within the credit 
bureaus system.
Page 5 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
By using information the credit bureaus database does not 
recognize you will find that “no record found” is returned.  This 
“no record found” return is actually the glitch, because it 
automatically generates a new profile based off of the 
information given because no record was found.   
 
From that point on, as long as you’re new information and 
profile is never linked with your old information, you will have 
a completely separate credit profile number.   
 
Whenever applying for applications, only use your new 
information so that you don’t accidentally link your new profile 
to your old one.  This is discussed further on in the E-Book. 
 
Next We Will Explain Various Methods to obtain a second credit file  
Page 6 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
Various Methods Explained 
 
There are a variety of methods to obtain second credit profiles.  
You are probably asking yourself how this is possible.  Let us 
explain by starting at the conceptual level and working towards 
the specifics. 
 
Credit Bureaus are private companies and they depend on the 
same late 20th and early 21st century technology that we do.  
The large databases it takes to contain the credit information of 
millions of people alive and dead is no easy task.  These 
complex systems are not Fool Proof; in fact they have a major 
glitch.  It is this glitch which has made creating second credit 
profiles very easy to accomplish in a number of ways. 
 
The Credit Bureaus base you credit profile off of specific 
criteria. The most important criteria being your nine digit credit 
number, address, and name.  Changing any two of these 
conditions will throw a monkey wrench into the database and 
create a second credit profile immediately.  This means if you 
had your name changed, and moved to a new address, you 
could literally use your normal Social Security Number and 
have a second credit profile.   
 
This understanding will lead you to the conclusion that you 
don’t need a second credit number at all, and that is true, you 
can create a second credit profile based off of your current 
Social Security Number just by something like getting married 
and moving to a new residence. 
 
Any combination of information changed when pulling your 
credit profile can produce a new one, and that is simply 
because the technology is not capable of figuring out the 
differences.  Computers have only been around for forty years 
and are by no means at “Star Trek” levels.  Because we live in a 
time when computer technology is in its infancy, we can take 
advantage of glitches such as this one to generate a second 
credit profile.   
Page 7 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
 
Case 1 – Adoptees  -– For many adopted people who find out 
who their biological parents are, they might try and regain 
connection by changing their name to fit the biological parents 
name.  This happens quite often actually.  One case that has 
occurred for adoptees has been when that individual learned of 
their birth parents, reconnected with them, and changed their 
name all at the same time that they switched addresses.  When 
the adoptee went to pull up his credit with his normal Social 
Security Number, his new address, and his new name, he found 
that there was no record found.  Having read a previous 
version of our E-Book, the adoptee realized that they had just 
generated a second credit profile using their current Social 
Security Number.   This is one method will work and can be 
applied to many different situations.  Adopting a new name and 
address is actually something attained quite easily, we will 
allow you to consider all the possibilities and we will not 
elaborate further on this subject. 
 
Case 2 – Marriage  -– Married women often take on the name of 
their husband.  When people marry they often move to a new 
home also which means that two criteria have been changed.  
Understanding this concept, married women would be able to 
take advantage of these facts by easily changing their name 
and address.  When that married woman would go and pull her 
credit using her current Social Security Number, her new name, 
and new address, she will find no record found.  She would 
have just accomplished the creation of a Second Credit Profile 
using her current Social Security Number. 
 
Case 3 – Identity Theft – People who have their identity stolen 
actually have quite a few options to generate a second credit 
profile.  Often if the damage is extreme to ones credit report, 
the Social Security administration will issue a second Social 
Security number.  In order to qualify you cannot have been in 
bankruptcy; you cannot intend to avoid the law or legal 
responsibility, and you must have proof your Social Security 
Number has been used improperly by someone other than 
yourself.  They also will issue you a new Social Security number 
in certain Domestic violence cases, and if your religious or 
cultural beliefs object to the digits given to you.   
 
Page 8 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
 
In the case of identity theft you will need the following to 
obtain a second Social Security number: 
 
1.  Completed SS-5 form from www.ssa.gov   
2. Show documents proving citizenship and identity 
3. Evidence why you need a new number 
 
After you have all of that completed, you will need to turn it 
into your local Social Security office. 
 
As you can see, besides identity theft and attaining a second 
social security number, the basic premise remains the same. 
 
ANY TWO CHANGES TO EITHER, YOUR NAME, ADDRESS, OR 
NINE DIGIT CREDIT NUMBER WILL CREATE A SECOND CREDIT 
PROFILE. 
 
Changed Name + Changed Address + Same SS# = New Credit 
Profile 
 
New Credit Number + Changed Address + Same Name = New 
Credit Profile   
 
Same Address + New Name + New Number = New Credit 
Profile 
 
The concept here is that the Credit Bureaus are not 
sophisticated enough to deduce the similarities when you put 
in the new information.  This particular method and glitch will 
not last forever as technology is improving all the time.   
 
With this conceptual understanding you should be able to 
deduce the best route for you to obtain a second credit profile.  
It can be as simple as a name change and a new address.  
However, or if ever you decide to utilize what you have learned 
here today, be warned that you are still completely responsible 
for all your prior debts. 
 
Next – How The Privacy Act Protects You   
Page 9 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
How The Privacy Act Protects You 
 
The Privacy Act of 1974 Title V was a major step taken by the United 
States government to protect the security of your social security 
number. 
 
This is a hyperlink to the Privacy Act of 1974 
http://www.usdoj.gov/oip/privstat.htm  
 
Your Social Security number was never made for the purpose of credit 
or banking.  This number is only really supposed to be used by the 
social security administration and other Federal agencies.   
 
No one knows when exactly using your social security number became 
essential to do anything, but it now pervades everything, one cannot 
get a blockbuster video card without them asking for your social 
security number. 
 
It would seem to most of us that whatever the Privacy Act attempted 
to do to protect our SS number has failed miserably since 1974.  
Through the actions of corporations and just a general lack of 
knowledge amongst the American population, we now are asked for 
our social security number on a regular basis without question. 
 
This is actually false, and the banks and financial institutions have no 
right to refuse you based on a lack of your social security number.   
 
Credit bureaus, banks, car dealers, blockbuster video are all not 
government agencies.  They are all private incorporated institutions 
that can’t deny you service because you don’t give them your SS 
number.   
 
Trying to get an account without one is possible, but is highly difficult, 
and they might find another reason not to give you an account.  This is 
why generating a clean credit file from the Internal Revenue Service 
and not dealing with that hassle is the best policy.  Some applications 
will actually specifically say SSN/TIN/EIN.   
 
Your clean credit file is considered your taxpayer ID, it is written like 
this xx-xxxxxxx just like an LLC, or a corporation.  Writing it like xxx-
xx-xxxx might conflict with local laws, and you might wish to consult 
an attorney before doing so.  You should write it in as an EIN and 
Page 10 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
mark on the application it is an EIN, if it does not already refer a space 
for the EIN.  Before filling out an application writing your EIN like a 
SSN you should make sure it does not conflict with local laws. 
 
The truth is you do not need to use your social security for everything, 
and companies have no right to refuse you service based on your 
refusal to provide it.  Because the social security number is by no 
means the only nine digit number used to identify you and build credit. 
 
Take the information you are about to learn about your rights and use 
them to make you a more educated credit decisions, and keeping your 
information more private.  With all the fraud and information being 
stolen from these corporate institutions holding all our personal 
information, it has become essential we all take action to protect 
ourselves. 
 
Utilize this number wisely, and read on in the sections explaining how 
to protect your new credit profile, and how not to link it to your 
previous credit file.
Page 11 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
One Method Explained – Attorneys method 
 
Thank you for purchasing The Credit Profile Secrets E-Book 
 
The method about to be explained when completed should 
provide a number where the first two numbers are less than 
64 so it will fall within the sequence of Social Security 
Numbers.  
 
Getting a clean profile has less to do with the government, and has 
more to do with a glitch in the credit bureaus database.   
 
Millions of people are in the credit bureaus systems, and they are not 
fool proof. Therefore this new credit number will be possible mainly 
because of a loophole in the system.   
 
Once you have attained your new credit number and you search for 
the credit score of your new number and information in the credit 
bureaus system it will not be able to find a match.  It will return that 
no record was found.  It is at that point that you have just created a 
new credit profile for yourself. 
 
The credit bureau's computer when it does a search on you has to 
match your name and personal information with what's stored in the 
memory banks, or it won't be able to find your credit history.  As a 
result when it searches for your credit history and finds nothing it 
comes back as no record found.  No record found - means that a new 
credit file can be compiled on a person based on the name and 
personal information used in that initial credit check and therefore 
exclusively relates to that information. It is for this reason your new 
credit file can be generated.   
 
Creating a new credit profile should only be done by those who truly 
wish to start clean, and not have similar problems as before.  If you 
plan on using this number to get credit, and not pay it back, you will 
quickly find that you are in some very hot water. 
 
This action is not sanctioned by the government in any way.  It only 
remains legal if you do not file for your number under false pretenses, 
and you do not ever default on anything related to credit again.  Once 
defaulting has occurred using this number, if they are to find out about 
Page 12 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
your other credit file, legality is thrown to the wind, and you are going 
to be looked at closely by the authorities. 
 
While this is an easy way to establish a clean credit file, it is so much 
more important that you protect this individual number.  If for any 
reason you were to default on anything associated with this number, 
and the institution found out you had another credit number with bad 
credit history, it would easily constitute as fraud and could land you 
with major fines or jail time.  Misrepresenting your Social Security 
Number is illegal on applications, and it is important you mark it as an 
EIN, and write it like it is given.  Further, you could be charged with 
mail or wire fraud if you use the mail or the telephone to apply for 
credit and misrepresent yourself.  This is why it is so important that 
you never default using this number, and never do anything that could 
land you in trouble. 
 
Never default paying bills with this number!!!! 
 
If you have declared bankruptcy and apply for a loan (or life  
insurance) greater than $50K, you must disclose this on the  
application. If you lie and are found to have been lying, your 
loan could be called or your insurance cancelled.  This would 
constitute fraud according to Federal law and is punishable 
by fines or prison time.  Even one single slip can land you in 
prison!!!! 
 
Our sincere suggestion for you is that you establish business 
credit with Dunn and Bradstreet immediately following the 
reception of your new number from the IRS.  Utilize your 
new profile to attain great business credit, and then apply 
for credit and bank accounts using your clean credit profile.  
Get a corporate phone, corporate car, and home.  Do not 
risk defaulting with your new profile on anything, let your 
personal corporation act as a barrier in case anything were 
to ever go wrong.  Establish corporate credit accounts and 
use this new number sparingly.  If you establish a 
corporation, any future defaults or problems will be 
associated with the EIN and not your SS Number. 
Page 13 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
 
Forming corporations are very simple, and this is fully 
explained in How and Where to File a Corporation Section of 
the Credit Builder Package. 
 
Now if you feel you won’t ever default again, and are going 
to be forming a company to protect your assets,  
 
Lets Begin:      
 
 
Things you will need with the New Number Method: 
 
▪ Address you do not currently have linked to any current 
credit/banks 
 
▪ Your Real Name 
 
▪ Your Correct Social Security Number 
 
▪ Phone Number not currently linked with your name or 
credit 
 
▪ Your Correct Birth date 
 
 
You Can Only Apply Online During These Hours w/ IRS: 
 
▪ Monday - Friday 6:00 a.m. to 12:30 a.m. Eastern 
▪ Saturday 6:00 a.m. to 9:00 p.m. Eastern 
▪ Sunday 7:00 p.m. to 12:00 a.m. Eastern 
Page 14 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
 
Begin Your Clean Credit Profile by typing this manually into your URL 
bar: 
 
http://www.irs.gov/businesses/small/article/0,,id=102767,00.html  
 
▪ Please Scroll Down, And Click on Apply Online Hyperlink text 
 
▪ Once This Page Has Loaded Click Begin Application 
 
▪ Next You Will Highlight the Sole Proprietor Button and Click Continue 
 
▪ Once again Highlight the Sole Proprietor Button and Click Continue 
 
▪ Agree You Are Not an LLC and Click Continue 
 
▪ Banking Purposes is highlighted now as reason for number Continue  
 
▪ Fill in Your (First and Last Name), correct (SS Number) and that (you 
are the sole proprietor). Click Continue 
 
▪ Fill out your new address with no ties to previous credit and that you 
don’t have another address you want mail sent to. Continue 
 
▪ Your name should be filled in at the top 
(If not make sure the DBA is the same as your name) 
It then asks for the start date of your sole proprietorship which should 
be whatever the current date is and then click continue 
 
▪ Questionnaire appears:  Fill out no to all questions asked and click 
next 
 
▪ A list of general categories will appear.  Choose the most general 
one, most likely the choice of other and/or services click continue 
 
▪ Fill in a very generalized primary business category activity 
(consulting or something similar) click continue 
 
▪ 2 options then appear to receive your form filled out with your new 
number in the mail or online – choose online – Then click continue 
 
Page 15 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
▪ This page will Give you a summary of all the information, if it looks 
correct click submit 
 
▪ This page will clearly your new Tax ID number, you will want to 
download the file also whether it is a PDF file or an HTML file for your 
tax record.  The form saved is your SS-4 form and will now be your 
new tax-ID number. 
 
All taxes associated with this number are to be paid through your 
Social Security Number, and hence is like having a second credit 
profile that still pays all due taxes to the IRS.  YOU MUST PAY TAXES 
 
Do anything that will have all three credit reports pulled, whether it is 
pulling it yourself, or going to apply for credit.  No Record found will 
show up, if you were successful in not linking your previous credit 
profile with your new one. 
 
Having inquiries on that credit file, will eventually build one, as well as 
getting accounts and so on. 
 
Next Page Explains How To Generate The New Profile In Greater Detail 
 
Page 16 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
Generating Your New Credit Profile 
 
You can literally do anything for any method shown here to 
accomplish the generation of your new credit profile in the 
credit bureaus database.  You will have to eventually have 
all three credit reports pulled, whether it is pulling it 
yourself, or going to apply for credit, in order to have record 
of the file in all three credit bureaus.   
 
If there is “No Record found” you were successful in not 
linking your previous credit profile with your new one. 
 
Having inquiries on that credit file, will eventually build one, 
as well as getting accounts and so on.  
 
NOTE:  It generally takes upwards of 30-45 days for any 
new credit inquiries to appear on your credit report and 
hence it will take time to generate a new credit profile. 
 
Next it should start to say “Insufficient Credit History” or 
something similar to let you know a successful new credit 
profile has been created. 
 
We would suggest not going to someone to pull your credit.  
It is best if you do it yourself using the common systems 
average consumers use, such as a simple tri-merge credit 
site.  Pull your credit yourself, or just apply for a credit card 
using the new information.  This will cause the creation of 
the credit profile as much as pulling the credit report on your 
own would. 
 
Trade lines are applicable to this credit profile once it has 
been successfully created.  Wait for a record of inquiries to 
appear before you attempt to put credit lines on the profile.  
Otherwise, the system will not know where you are trying to 
attach the credit lines. 
Page 17 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
 
Generating new credit is not quick by any means, and it 
should be done by those who have the time to put into 
building a great credit score.   
 
Read The Next Section: The Other Methods To Attain A CPN 
 
 
Page 18 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
Other Methods To Attain A CPN 
 
Numerous ways have been recorded on how to generate a 
credit profile number and separate credit profile.  The one 
you have just been shown is the one used by countless 
attorneys to generate new credit files for their wealthy 
clients. 
 
Some individual CPN dealers on the internet actually sell 
numbers that are simply decoded and made up Social 
Security Numbers.  This is a highly illegal method, and is 
criminal on so many levels. 
 
Other individuals have been extremely lucky and have 
accidentally generated themselves a second profile with their 
own Social Security Number without even realizing it.  Here 
is how. 
 
When some people get married they change their names.  
Other people change their names for security reasons and so 
on.  Most of the Credit Bureaus systems only match the first 
two letters of the last name, the address, and the nine digit 
number given.  For many reasons people move, and change 
their names, marriage being an example. 
 
The consumer would use their current Social Security 
number with their new address and new last name, but 
forget to list any previous addresses. From this mistake the 
New Credit Profile would be generated based on the new 
information.  
Page 19 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
The Only 100% Legal Way To Have A Second Credit Profile 
+ How To Boost Your Credit Score To Over 700 in 45 Days 
+ Learn How To Get 100K In Unsecured Credit   
 
Utilizing your new EIN/credit profile number to build and establish new 
credit for business purposes should be your primary goal.   
 
Follow these steps and you will boost your credit score in no time. 
 
1. With your Tax-ID (EIN) in hand you can go to www.dnb.com 
which is the homepage to Dunn and Bradstreet.  Under the 
customer resource tags click on the tab: Establish Your Credit. 
2. We recommend you enter your new EIN into the Credit Builder 
Plus Program.  This service will provide you with a D-U-N-S 
Number to your company and will create a credit file, add up to 
six new payment references of your choice, and assign a full set 
of D&B scores and rating potential business partners or clients 
can access. 
3. Call 1-866-785-0428 to have an associate set up your company 
profile properly.  The key here is to match your corporate 
physical address with the new address you used to establish 
your new credit file. 
4. You must now begin opening up the following tradeline accounts 
with your D-U-N-S number: 
 
1.  Staples  www.Staples.com     1-(800) 378 – 2753 
2.  Uline     www.Uline.com       1-(800) 958 – 5463 
3.  Reliable  www.Reliable.com  1-(800) 735 – 4000 
4.  Quill      www.Quill.com       1-(800) 789 – 1331 
 
You need to have at least 3 “Net 30” accounts with these listed Tradelines. 
5. If you maintain at least 3 revolving accounts and pay them off 
timely and completely you will establish a Perfect Paydex Score 
of 80 after the 1st reporting cycle of the established tradelines.   
Once again the key is to make sure the address on your 
company’s Dunn’s profile is the same as the address you gave 
the companies we recommend opening net 30 accounts for.  You 
must have 3 reporting and keep a rolling balance month to 
Page 20 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
month just making small purchases or making the minimum 
payments to get free shipping and so the payments are reported 
to your Paydex. 
6. In order to get a 100K loan with this 80 Paydex score, you will 
need to establish tradelines for your personal credit at 
www.instantcreditbuilders.com.  The tradelines they use are 
ones that will still be reported regardless of credit reporting 
changes.    
7. The target personal credit score is 680 in order to be approved 
for as much as a 100K business loan.  Generally every tradeline 
added will equal a gain of 35-40 points.  Tradelines at Instant 
Credit Builders are generally around 500 dollars but are 
discounted when you buy more than one. 
8. It is important that once you purchase tradelines, you do not let 
any negative things appear on your credit report for the thirty 
days you wait for it to report as not to cancel out the benefit of 
it.   
9. Sign up for at www.truecredit.com to make sure you are made 
aware when all the tradelines hit and how your score is 
improving. 
10. 
When you have achieved both a 680 personal credit score 
and 80 Paydex score, you will qualify for numerous high amount 
business loans up to 100K.  This is the time you will want to 
apply for business credit lines. 
Page 21 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
 
 
Establishing business credit fast is easy: 
 
1. You will need to establish an account of some sort (phone etc) 
2. Call Dunn and Bradstreet and establish a business file 
3. Utilize the revolutionary Deposit Loan Program(explained later 
on in the E-Book) 
 
Dunn and Bradstreet, distributes your information to those seeking to 
loan out business credit which is why it is so important to establish a 
business file with them.   
 
The Deposit Loan Program is a way to establish excellent credit history 
in a matter of months.   
 
This loan is cash secured and cannot be accessed by you at any time 
during the transaction.  You simply pay a single percent rate a month 
to keep whatever loan it is onto your business credit file.  This credit 
file is distributed to many of the best small business credit bureaus 
and can easily lead you down the road to unsecured business credit.  
At the end of the loan term, after paying only interest for a small 
number of months, you will have a closed loan on your business credit 
file.   
 
The deposit loan program usually starts at a minimum of $25,000, and 
goes up from there.  You will only have to come up with a small 
amount of the loan amount you seek, to show that you have that high 
a tradeline on your credit report.  So if you want a loan of lets say 
200K, it might be best to have had a tradeline of 200K a while with the 
secured deposit loan program.   
Page 22 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
How To Protect Your Clean Credit File 
 
You are going through the trouble, so don’t mess this up.  You 
definitely don’t want to have your old credit linked with your new 
credit.  Assuming you have received your new number from the IRS, 
we will explain what you can not to do with your new credit file, and 
what you can do.  
 
 (Anything you can’t do either has to do with Federal law, or because 
you do not want to link your old credit file to your new one.) 
 
 
The most important thing you can arm yourself with, is an 
address you have never had mail sent to before, a new phone 
number, and a state ID with your new address on it.  
 
 
▪ Do not ever use a bank or financial institution that already has 
a record of your name in their history.  
 
▪ Don’t ever use an old address, your SS number, or old phone 
number as your identification at institutions you have 
established accounts with under your new credit number. 
 
▪ Use your clean profile wisely and do not use it flagrantly, you 
only get one, and it is important you protect it, so as to not 
have further snags with your credit.  
 
▪ Apply by mail instead of by phone or in person as much as you 
can for credit cards and other credit related items. 
 
▪ Only use your name(or new name), new phone number, new 
address, Current SS Number (Or EIN if that method), and the 
year of your birth on all credit applications. 
 
▪ DO NOT PROVIDE ANY OLD CREDIT DATA! 
 
▪ Don’t be alarmed if you get denied, that is good, you are 
building a credit file 
 
Page 23 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
▪ Apply for a Secured Visa Card (This is a Visa Card correlates 
with your savings account on deposit at the lender/bank). 
After receiving your secured credit card you can utilize this 
card to attain more credit because no one will realize it is 
secure.  Major Department stores are excellent places to start 
applying with your secured credit card. 
 
▪ Build credit using this secured card, you should pay things off 
as quickly as you can, and use it to leverage a credit file that is 
positive. 
 
▪ Don’t ever give out previously used credit references!!! 
 
▪ Please avoid any mixing up of people who might have had 
contact with your previous credit file 
 
▪ Don’t mix old accounts and bank accounts with new creditors 
 
▪ Avoid having your wife/husband join with you on credit 
applications, joint accounts are an easy way to link credit 
 
▪ Do Not proclaim knowledge or information that you know 
about credit 
 
▪ You might be asked why you have no credit, counter it with 
you have been out of the country of traveling, don’t make a big 
deal about it. 
 
▪ Do not go overboard applying for new credit, any red flags 
might cause you to quickly lose standing with the credit 
bureaus 
 
▪ Form a corporation using your new credit file, and put all 
major liabilities in the corporate name, so your personal credit 
is not damaged by any unfortunate events. 
 
▪ Do not ever fill out a government form or application with this 
number, it would be considered a crime. 
 
▪ Absolutely do not lie on any applications about any past 
bankruptcies or foreclosures; even though it might not be on 
your credit file; it is highly illegal to lie on loan applications 
Page 24 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
exceeding 50 K it is punishable with Federal prison time.  Do 
not Defraud!!!!!!!   
 
The Common Law Name Principal 
 
One can make use of any name they like, and do not have to 
notify or tell anyone about it.  The little known common law 
name principal can be utilized as such.  This is a name you have 
given yourself to conduct business generally that is separate 
from your real name.  No need to file for a name change or 
anything, using it is the best way to make it work.  You can use 
this principal as long as it is not meant to defraud. If it is 
placed on a Federal application it is considered a crime. 
 
 
Protecting Your Assets 
 
Here you will learn to keep your new credit profile clean and 
out of trouble. 
 
 
▪ Set up a corporation using your new credit profile number, 
and establish corporate bank accounts and credit, instead of 
putting your clean profile on the line.    
 
▪ Consider opening up a secured credit card and savings 
account at a bank you have never been too and use it to build 
your credit without having the hassles of high interest rates as 
well as shield cash assets. 
 
▪ Consider getting a Panamanian trust using your new credit 
file, which can usually run around $1,500.00 and is completely 
private and secure to keep assets. 
 
▪ The best thing to do is use your new credit file as something 
to keep secretive with you, and establish corporations, trusts, 
and accounts using your corporations linked to your new credit 
file.   
 
Page 25 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
▪ Institute double protection with a corporation or trust, and let 
your credit files develop and grow without risking collections or 
derogatory items on your credit. 
 
The best way to protect your assets with your new credit file is 
by establishing trusts, and companies, that you can deposit 
assets into that are linked with your new file. 
 
 
How To Establish Credit Fast 
 
Here are a few highlighted methods to attain credit fast: 
 
▪ Secured Credit Cards – Most major financial institutions will 
offer secured credit cards with your savings accounts.  This 
means that you have a credit limit based on the amount of cash 
you hold in your savings give or take a few dollars.  This 
secured card is read the same way and looks no different then 
an unsecured credit card.  When you receive your card in the 
mail, you should use it as leverage to attain other small lines of 
credit.  Many facilities such as department stores, and gas 
cards, will give you one of their cards just because they see 
you have a major credit card. (Note: Too many applications 
might lower your chances of getting approved so pick ones you 
really want)   
 
▪ Seasoned Trade Lines – Large lines of credit are generally 
only given to those who have large credit histories with no 
derogatory items.  Seasoned trade lines have been used for 
many years by major lenders, and individuals trying to get 
qualified for specific loans.  One might qualify for the house, 
but not a good rate, where with a seasoned trade line; the rate 
becomes much more affordable for the client.  Mortgage 
brokers and many lenders understand trade lines and will work 
with you even if you mention that you are going to be using 
them.  Do not be afraid to mention them to your loan officer, 
most understand the benefits of them, and how they help 
achieve greater success in America as a whole. 
 
Read More about Trade Lines Here 
 
Page 26 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
▪ Shared Credit Accounts – Shared accounts were first created 
and mainly used by parents for their children.  The practice has 
helped countless students be able to get funded for their 
college loans.  It is our suggestion that you can use this feature 
to acquire excellent credit very quickly.  If anyone in your 
family or realm of friends has stellar credit, and you trust to 
always pay on time, you might want to ask them to add you to 
their account.  Explain that when they receive the card in the 
mail, to chop it up, and that your intent is not to access the 
money on the account.  You wish to use it purely for credit 
history and credit building purposes.  This is only if you 
absolutely trust and know the person not to miss a payment, 
you do not want to collect any bad credit either. 
 
(This method is read much the same way as seasoned trade 
lines, and this is why FICO and the credit bureaus are going to 
have a very difficult time eliminating seasoned trade accounts 
for these purposes.  Unless they are able to separate the 
parents and children trying to get student loans, and 
individuals buying trade lines for credit purposes, then they 
will not be able to eliminate the trade line way to build credit 
fast.) 
 
▪ Establish a Corporation or LLC and take your personal credit 
out of the picture.  Often establishing business credit can 
create a better situation then having stellar personal credit.  
Businesses generally cannot get lines of credit if they are not 
over a certain age, but aged corporations can be purchased just 
as easily as it to form a new one.  Getting trade lines of credit, 
corporate cars, phones, and property all hold beneficial tax 
incentives also.   
 
 
Page 27 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
 
Trade Line Vendors Explained 
 
  
It is important when you call the trade line brokers, that you know 
how much money you have to spend on trade lines, and the value of 
the loan you are trying to get.   
 
You should speak with your friendly loan officer, mortgage broker, or 
car dealer about getting the trade lines, and generally they will let you 
know what they think will make your qualification easiest.   
 
Trade lines are a way to qualify for loans as long as they are used 
properly, and get approved for loans.  They only remain active for a 
limited time, and therefore it is important that you plan ahead on what 
you plan to do when the trade lines have hit your credit file. 
 
Please plan ahead with your loan officer and trade line broker on 
appropriate timing for you to institute the application process.   
 
Trade lines work kind of like a secured credit card.  Some credit card 
companies allow up to 20 cards to be distributed amongst different 
people, therefore spreading the credit over multiple people.  Trade 
lines are equivalent to this practice.  You often will see trade lines for 
sale for as much as 1,200.00 that are ten years old.  This would then 
put ten years of good credit history on your report.  Not so fast. 
 
These are being phased out by FICO and no longer count towards your 
FICO score, which is what many loans are based off of.  If it is a credit 
bureau specific loan it might work, but FICO no longer works with this 
method.   
 
The Best solution we have found is the Standard Deposit Loan Secured 
Trade lines available at www.try.tc – These are not the same and do 
count.  Check out the section on them in the E-Book. 
 
 
Page 28 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
The Guide To Repairing Your Own Credit 
 
Repairing your personal credit is a process that you will have 
to take very seriously.  Hiring a credit repair company with 
some monthly fee will get you no where with the credit 
bureaus.  Disputing items for no reason is a good way for 
the credit bureaus to flag your letters for up to 12 months.   
The key to repairing your credit is going to be having 
leverage in the form of technicalities.  Once you understand 
the technicalities, you will realize that repairing credit is a 
time intensive process that is not easy enough to trust some 
upstart credit repair company with.     
 
Step 1 - Pull Your Credit  
 
You can pull your credit once a year according to Federal 
laws. The credit bureaus have constructed a terrible and 
complicated system by which you can pull your credit for 
free.  
 
Pull Your Credit Free 
Go to the website: www.annualcreditreport.com   
Fill out all of the information needed.  
 
If you prefer to use your telephone, you can call 1-877-322-
8228 and order all three reports by mail. Arrival time will 
take 5-10 business days to receive all three reports. 
 
• note that getting your “credit score” is not free  
 
We suggest you contact each credit bureau individually and 
ask about any specials they are running on pulling credit. 
 
 
Page 29 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
Pay To Pull Your Credit  
 
Paying will assure you get your actual credit score, but 
ordering your free reports will actually provide you with 
some excellent information not contained in a paid report. 
 
 
The fastest way to know your credit score is to pay for it 
using one of the following links:  
 
www.pullmycredit.com      
www.myFICO.com   
www.equifax.com  
www.experian.com  
www.credit.com 
www.truecredit.com   
 
 
Next Is How To Dispute Items Once You Have Your Credit 
Report 
 
 
Page 30 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
Step 2 - Dispute Items  
 
Disputing Items on your credit report is going to be based 
primarily off of technicalities.  Any mistake in the reporting 
of the credit will be grounds for deletion.  Obviously you will 
want to keep good credit even if it is not reporting correctly.  
Bad credit items, even ones that say they are verified, might 
also contain numerous errors that are grounds for deletion.    
 
Do not send template letters from credit repair companies or 
you will end up having your requests silenced for months.  
They can label your mail and requests as frivolous for as 
long as twelve months if they have obviously come from 
some credit repair company’s website, and you are disputing 
it without just cause.   
 
First Thing You Will Need To Win Disputes:  All 3 Credit 
Reports 
 
Things To Look For On Your Reports That Are Grounds For 
Deletion: 
 
1. Missing or Incorrect Name of Creditor 
2. Missing or Incorrect Account Number 
3. Missing of Incorrect Balance 
4. Missing or Incorrect Last Date Of Payment 
5. Missing or Incorrect Credit Limits 
6. Delinquencies and Late Pays After Close 
7. Undated Late Pays 
8. Incorrect Account Types 
9. Missing or Incorrect Date Of Last Activity (DOLA) 
10. 
Missing or Incorrect Date Updated (DU) Or Date 
Verified Discrepancies  
 
Page 31 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
These are the main items that will help you disqualify your 
debt.  Look for discrepancies across all three credit bureaus 
reports, and if you see any ask for verification from the 
original creditor as to the information.   
 
The information gathered from the creditor themselves can 
later be used against the credit bureaus if anything is found 
to be reported inaccurately.   
 
The key in disputing negative items is that they are factual 
disputes.  If you can find any discrepancies amongst your 
reports, use them to get those items removed.  Once you 
write to the bureau asking politely for a deletion of the 
record due to the debt containing incorrect information, and 
that is preventing you from doing something for a family 
member or some other sad story you can come up with, the 
credit bureaus might just simply delete your debt right then 
and there.   
 
If instead they update the information you still have an 
option.  If they claim to have verified the information and it 
still does not conform with what your original creditor has 
told you, they have violated the law, and now you can write 
back explaining what occurred and once again asking for a 
deletion.  Example Letters are included in a later section.      
 
Online Disputes – Make Sure All Disputes Are Factual 
 
After filling out your information on the Annual Credit Report 
website, you can begin disputing items that you find are 
incorrect right away using experian. Our suggestion is you 
carefully look for incorrect items that you can clearly see.  
From the Annual Credit Report homepage, select your state 
and on the following page, select your experian report. 
Select the Dispute button and give a clear explanation for 
the dispute. You should receive an email confirmation of 
Page 32 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
your investigation within 5-10 business days. Once you 
receive confirmation of your investigation, take note of what 
has been deleted, and what remains on your credit report. 
What remains is what must be disputed by certified mail. 
 
• Equifax items can not be disputed until you receive the 
hard copy of your credit report in the mail, then follow 
instructions.  
 
• Trans Union disputes are best handled by phone with their 
fraud department at +1-800-680-7289 
(On average, 3 out of 10 collections will be deleted through 
this online dispute process, because of the lack of good 
records and data by the credit bureaus within the bounds of 
the Fair Credit Act.) 
 
Certified Mail Disputes 
 
When writing credit bureaus you must include a copy of two 
forms of state ID.  Make you dispute letter quick and to the 
point.  There are thousands of letter a day to go through 
and you must make your letter clear and concise.  Tell them 
directly why you are writing them and directly about what is 
wrong with the derogatory item.   
 
It is best to write one letter per incorrect item instead of 
telling them everything wrong in one letter.  This will give 
you the opportunity to send in more dispute letters on the 
same item and possibly try and get it deleted a second or 
third time.     
 
FOUR STEPS TO SUCCESSFUL CREDIT REPAIR 
 
Step One – Get All Three Credit Reports 
Step Two - Call up original creditor and get the official info 
Step Three - Look for Discrepancies amongst all reports 
Page 33 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
Step Four – Write Factual Dispute Letters To Credit Bureaus 
 
We have provided excellent examples of what the letters 
should look like later on 
 
Date Of Last Activity Explained 
 
Equifax is the only credit bureau that actively lists it on your 
profile. 
 
For Trans Union and Experian you must search for it.   
 
On the Experian credit profile you might see something like 
a charge off and a specific date it charged off.  Whatever 
that date is you go count backwards six months and that is 
your DOLA for Experian. 
 
Trans Union will list an estimated time of removal.  You will 
need to count back seven years to get the DOLA. 
 
The best place to get your DOLA is from the creditor 
themselves, and then looks for any discrepancies in the 
dates on your credit report.  Any thing incorrect means 
grounds for deletion.   
 
If for some reason your DOLA on your credit report and that 
from the creditor do not match it could have gone through a 
process of re-aging where the debt gets re-aged when it 
switches hands with a creditor.     
 
 
(The Fair Credit Act provides guidelines for each credit 
bureau and acts to protect citizens from many of the unfair 
trade practices committed by the collection companies and 
credit bureaus.) 
Page 34 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
 
Page 35 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
Rapid Rescore 
 
Your credit score is used to determine whether or not you 
are able to receive new credit, and if you are what the 
interest rate on that credit will be. Just a few points on your 
credit report can dramatically affect your ability to receive 
new credit and can cost you hundreds if not thousands in 
additional interest rates when making larger purchases. If 
you are making a large purchase, such as a new home and 
want to quickly improve your credit score you now have a 
new option: Rapid Rescore.  
 
What is Rapid Rescore?  
 
Rapid rescore is a way of improving your credit score 
quickly, by correcting items and then having your credit 
score "rapidly" corrected. With rapid rescore, things such as 
charge offs and collections can be corrected. If you pay off a 
balance on a credit card that can also be taken into account, 
and can improve your score. Unlike with your typical credit 
report where changes in your score can take months or even 
years, rapid rescore makes those changes to your score in 
days. 
 
For Rapid Rescore Info Ask A Local Mortgage Broker For Info 
On How They Can Have Your Credit Score Accelerated. 
 
Next are Example Dispute Letters 
 
Page 36 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
Example Dispute Letters 
 
You will want to keep all of your dispute letters short and 
simple.  You do not need to go on about laws or anything of 
the sort.  The credit bureaus and creditors are well aware of 
the law. 
 
You obviously should write it on a standard sized sheet of 
paper, and not some small notepad paper.  Just like any 
professional letter you will need to put your name, address, 
and so on in the upper left to let them know who you are. 
 
For Letters To Creditors/Collectors You Will Need 
 
1. Your Name, Address, City, State, and Zip 
2. Name of Creditor or Collector 
3. The Creditors/Collectors Address, City, State, Zip 
4. Current Month, Day, and Year 
5. The account the letter is in regard to 
 
For Letters To Credit Bureaus You Will Need 
 
1. Your Name, Address, City, State, and Zip 
2. Name of the Credit Bureau 
3. The Credit Bureaus Address, City, State, Zip 
4. Current Month, Day, and Year 
5. The Report Number the letter is in regard to 
6. Your Social Security Number 
7. Your Date of Birth 
8. A Previous Address (if applicable) 
9. Copies of 2 Government Issued ID’s (License, Passport, 
etc) 
 
The next few examples of letters are by no means 
substitutes for you creating your own letters.  By 
Page 37 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
personalizing you letters but still keeping them very quick 
and efficient, you will have a more positive response from 
everyone involved.  
This Is an Example Letter to Send To the Credit Bureaus 
 
Your Name 
123 Your Street Address 
Your City, ST 01234 
 
The Credit Bureau 
Bureau Address 
Any town, State 56789 
 
The Current Date 
 
In Regards To Report # () 
 
To Whom It May Concern: 
 
Text You Will Write Goes Here. 
 
Sincerely, 
 
Your signature 
Your Name 
SSN# 123-45-6789 
Date of Birth 
Previous Address (if applicable) 
(attached are copies of two forms of government issued ID) 
 
Next Page Has Example Letter To Creditors/Collectors 
 
Page 38 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
Example Letter To Creditors/Collectors 
 
Your Name 
123 Your Street Address 
Your City, ST 01234 
 
The Credit Bureau 
Bureau Address 
Any town, State 56789 
 
The Current Date 
 
In Regards To Account # () 
 
To Whom It May Concern: 
 
Text You Will Write Goes Here. 
 
Sincerely, 
 
Your signature 
Your Name 
 
Next Page Includes Examples Of Text To Write In – Do Not Copy
Page 39 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
Example of Text To Write In Letters 
 
Request For Free Credit Report Guidelines from each credit 
bureau 
 
Text:  I am writing to receive a free copy of my credit 
report.  Could you please mail me: how to or if I qualify to 
receive a free credit report.  If I qualify for the free report, I 
will request it. 
 
Thank you, 
 
Incomplete Reporting Issue Example 
 
Text:  You are currently reporting an incomplete item that is 
missing (whatever is missing).  This is causing economic 
hardship, could you please delete the item completely.  The 
Account Number is () and the name the account is (). 
 
Thanks you, 
 
Text: I am corresponding with you about account name and 
account number.  This listing is missing (whatever is 
missing) and is causing me (problem).  Could you please 
delete it immediately. 
 
Thank you, 
 
Text: On date () you updated account name and account 
number after our initial correspondence.  The listing is sill 
incomplete and I request that you delete it. 
 
Thanks, 
 
Page 40 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
Incorrect Balances Example 
 
Text:  I am corresponding with you to dispute account name 
and number.  The balance is not correct, please delete it. 
 
Thanks,  
 
Incorrect Credit Limit Example 
 
Text:  The credit limit on my account name and number is 
incorrect.  You can easily see through my attached last 
statement that the high balance was ().  Could you please 
update the listing with the correct high balance.   
 
Thanks,  
 
Credit Limit Dispute When On Collections 
 
Text:  I am disputing account name and number.  The limit 
is showing a credit limit of ().  How can a closed account 
have a credit limit? I demand this be deleted immediately.  
You have allowed this, and it is damaging my credit score. 
 
Thank you, 
 
Undated Late Pay Dispute Example 
 
Text:  I am writing you because the account name and 
number contains incorrect information because of an 
undated late pay.  Could you please delete it immediately.   
 
Thanks,  
 
Page 41 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
Incorrect Account Type Example 
 
Text:  I am corresponding with you over the account name 
and number.  It contains inaccurate information regarding 
my account type.  Charged off accounts can’t be open.  
Delete this immediately. 
 
Thanks,  
 
Date Of Last Activity Example 
 
Text:  I am writing you to have you verify the date of last 
activity with the creditor for account name and number.  
 
Thanks, 
 
Date Updated Discrepancy 
 
Text:  On (previous date) I had begun a dispute regarding 
account name and number.  It appears no actual creditor 
investigation was actually done, because the date verified 
did not change.  Please delete this item immediately. 
 
Thank you, 
 
Past Due Amounts After Close 
 
Text:  Although account name and number was closed on ().  
The account appears to show delinquencies after the closed 
date.  Your verification procedures have allowed this which 
has been harmful to me and my family, please delete it 
immediately. 
 
Page 42 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
Thanks, 
Date Of Last Activity Follow Up Example   
 
Text:  I am writing to inform you that you verified the date 
of last activity for account name and number.  The records 
of the creditor which are attached clearly shows that the 
dola verified has violated laws of the FCRA.  Please delete 
the item immediately to prevent civil liabilities.  
 
Thank you, 
 
Next Is Example Letters To Send To Creditors 
Page 43 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
Example Dispute Letter To Send To Collections Agencies 
 
Text:  I am writing you to dispute account number. 
 
Thanks,  
 
Example Request For Creditor Documentation 
 
Text:  I am writing to request a copy of the billing statement 
that shows the date of last activity and the last time I made 
the required minimum payment.  I have enclosed $ for the 
processing fee.  Please fax the requested information to (fax 
number). 
 
Thanks a lot,  
 
 
We hope that this gives you some excellent text examples to 
base future credit repair letters.  It is up to you to take the 
time, and find the problems on your credit report.  It is a lot 
of work, and the payment is not immediate.  Over the long 
run, if you can get your debt removed because of 
technicalities, you are saving yourself thousands in interest 
that you would have to pay if you wanted to buy a car or a 
house.  These text examples are only to explain the greater 
concept here. 
 
1. Do Not Ask For Anything But One Thing At A Time 
2. Do Not Make Reference To Any Laws 
3. Make it simple, and explain what your problem is 
4. Base the dispute off of a fact you can back up 
5. Attach any information that proves the technicality 
6. Do Not Tell Creditors, or Collections anything 
 
 
Page 44 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
Step 3 - Removing Items  
 
If you have found discrepancies amongst your credit reports 
you can demand that they be deleted.  Even if the debt is 
real, if you write the bureaus and explain a factual technical 
error and ask for deletion they might just do it for you.  
Generally one can find multiple incorrect items on a credit 
listing, and it is for this reason you should send the 
complaints in one at a time to assure that you will have 
multiple attempts to have the item deleted. 
 
Leverage, is key with the credit bureaus, and if you can 
catch a reporting error, generally they have broken some 
type of law.  Just inform them in a quick and efficient 
manner of the incorrect reporting error and how it is causing 
you harm and your debt just might be swept under the rug.  
 
The best advice is to get all of your credit reports, and a 
separate report from the creditor themselves.  Then look for 
factual discrepancies, and pay close attention to the DOLA.  
Make your disputes short and sweet, and don’t bring up any 
legal drama.  Ask for deletion not that they update the 
listing.  Make sure you only ask for one thing changed each 
time, so that you can have multiple chances to have it 
deleted.  With this information you should be able to handle 
credit repair for yourself.   
 
If you think doing it yourself is hard, try paying someone 
$39.00 a month, to do all that work.  I doubt you will see 
any work done at all and you would have wasted $39.00 a 
month for an extended period.  Procrastination is not 
welcome in the field of credit repair.  Do not trust someone 
else with such intricate and important work unless you plan 
on paying big bucks for a credit repair attorney. 
 
Page 45 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
Do It Yourself – Trust Yourself 
Step 4 – Settlement 
  
You should only resort to settlement if the debt collections 
agency can prove with documentation that you owe them 
money. If they have records and contracts proving the debt 
is yours and you could not delete it on a technicality; you 
may then contact the collection companies by finding the toll 
free number on your individual credit report and begin the 
settlement process.  
 
• Remember the settling all your debt at once while your 
score is at its lowest will allow you the greatest leverage 
against the collection companies to settle the debt for a 
fraction of the amount 
 
• Remember Collections Agencies Will Always Take Less 
 
They Will Always Take Less Then What They Ask For  
 
The collection agency holding your debt has purchased it for 
a fraction of its original value. Only call a collection agency 
on one of the last days of the month because this is when 
they are going to write their profit and loss reports for the 
month.  The busiest time of year for the collections 
agencies, and credit bureaus is from Thanksgiving to the 
New Year.  It is our suggestion that you attempt to clean 
your credit when they can focus on your case the least, and 
hence increase your chances for an easy deletion. 
 
(Always offer them much less money then they are asking 
for because they probably paid pennies on the dollar for 
your debt) 
 
 
Page 46 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
 
Page 47 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
The Fourth Credit Bureau 
 
The fourth largest credit bureau which is basically unknown 
to most people is Innovis Data Solutions.  What most people 
don’t realize is that Innovis currently offers a solution for 
lenders that pre-screens possible pre-approved credit card 
recipients.  Any adverse information on your Innovis profile 
can keep you from receiving pre-approved credit card offers.   
 
The pre-screening allows lenders to clean data and get rid of 
anyone who might have slipped by the other credit bureaus.   
 
For instructions on how to receive you Innovis Profile Report 
please call, 1-800-540-2505. 
 
Disputing items at Innovis is just like disputing it at the 
other main credit bureaus.  Do not leave this record up for 
chance.  Ask to receive your report to make sure you don’t 
get skipped for those pre-approved credit card opportunities.  
 
Next Page Contains How To Get Into A Home With No Credit Check
Page 48 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
How To Get Into A House With No Credit Check 
 
Want to know how to get into the home of your dreams with 
no credit check no verification of income and as little as 5% 
down? 
 
The reality is that many people today are in a very 
desperate situation.  They might need to get out of the 
home they are in, and have put it on the market hoping to 
sell.   Knowing what you do about the credit situation you 
should approach home owners with an offer they can’t 
refuse. 
 
The method of purchase which I am talking about is the 
Lease- Option.   Lease Options work on the principal that 
you put a large sum of money down initially like $10,000.00, 
you lock in the price at a certain number, and pick up the 
mortgage payment from that point on.  It stipulates in the 
lease-option when the person must purchase the home at 
the set price locked in above.  If you were to decide not to 
stay in the house you would walk away.  Otherwise you 
would need to come up with the rest of the money owed on 
the house. 
 
Many people used this method with condos and small 
investment properties during the recent housing boom to 
make tons of money.  Mortgage brokers, and a variety of 
real estate investors would lock these condos in at a set 
price, and then rent them out with the intent to sell at a 
higher price then the original lease option at a later time 
when home values has risen.  That worked for a time, but 
now with home prices dropping, you can imagine this 
business model no longer works.  It also was one of the 
main contributers to the mounting credit and mortgage 
crisis.       
Page 49 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
How To Get Rid Of Debt Collectors 
 
With items that are negative on your credit report you 
always want to push for deletion off the record if you find it 
to have incorrect information.  
 
If you ever write a dispute letter to a collections agency do 
not tell them your whole life story.  They will usually try and 
intimidate you most of the time, so it is best to let them 
know nothing other than the account number.  
 
Just tell them you dispute the account and it is not yours.  
Anything else might work to prove the validity of the debt.  
You can’t ask them for validity of the debt, because that 
means you are admitting it to be valid.  The only thing you 
should tell them is the account number and that is not your 
account and that you dispute it. 
 
There are many ways that the debt collector can violate the 
laws of the FDCPA.   
 
1. Threats to call everyday until the debt is paid. 
2. Threats to contact family, friends, or employer 
3. Threats to have you imprisoned or criminally charged 
4. Threats to report financed vehicle as stolen 
5. Calling before 8 am and after 9 pm to harass 
 
Just simply tell the collections agency that you don’t want 
their business and never will.  Their notice is like an offer to 
do business, you do not have to do business with them, and 
you are not obliged by law to do so.  Trying to force 
business under threats of negative action is extortion.  They 
can’t threaten you legally, and you do not ever have to do 
business with them, and tell them just like that.
Page 50 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
Building Business Credit 
 
Here is where we explain how you can easily attain business credit 
 
The Tax Benefits of a Corporation 
 
There are specific tax benefits with corporations.  Tax laws will allow 
you too have corporate phones, properties, and cars.  If you have a 
home business, the IRS will even let you write off a certain percentage 
of the rent.   
 
Corporations do not have taxable income until there is a profit.  In this 
way it is beneficial to run all of you phone, transportation, and living 
needs in a corporation.  Expenses related to the business, whether it is 
a corporate luncheon, or hotel stay, it will not be taxable by the IRS.  
In other words, sometimes having high expenses can help you pay 
less tax.   
 
You will obviously be responsible for any personal income drawn from 
your company, and expenses not included as business expenses, but 
your company will only have to pay tax on the profit made. 
 
Your personal credit and taxes are also not associated with your 
business credit and taxes.   
 
Let the liability stay with the company, and protect your personal 
name.   
 
You should speak with a corporate tax attorney about what personal 
expenses you can legally put under your corporate name.       
 
Page 51 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
 
 
What State To File your Corporation In 
If you are going to be doing business in your state with a store, or 
physical location, you should file in that state.  If this business is not 
going to necessary have a formal physical location you really should 
file in only two states.   
 
The two main states to file in are Nevada and Delaware 
 
Why should I file in Nevada? 
 
▪ Very Difficult To Pierce Corporate Veil 
(To prove it is just a phony business that is really just you, often a 
tactic in law suits) 
 
▪ Officers and Directors can be indemnified 
(Provisions in Articles that eliminates all liability of the directors and 
corporate officers) 
 
▪ Abolishment of Joint and Several Liabilities 
(Every defendant in case takes their portion of blame, and not 
everyone goes down for the same thing) 
 
▪ Choice of law jurisdiction 
(You can choose Nevada as opposed to where you are doing business 
as lets say) 
 
▪ No state corporate of franchise taxes 
 
▪ Nevada does not exchange information with the IRS 
 
▪ One person can hold all corporate positions 
 
 
Page 52 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
Why should I file in Delaware? 
 
▪ Highest ranked litigation system in the Unites States 
 
▪ Most advanced flexible laws in the nation 
 
▪ Can be formed at home online easily 
 
▪ Owners and Operators names are not required in state records 
 
▪ One person can hold all titles 
 
▪ Franchise tax is only $60.00 a year 
 
▪ No Income tax 
 
▪ You can do business anywhere 
 
▪ Easy online accessibility  
Page 53 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
 
Protecting Personal Credit With Business 
 
It is easy to start using your corporate id.  Once you have received 
your Articles of Incorporation in the mail, call the IRS, or use the 
website and apply for your Company Tax ID.  Within minutes of 
beginning the process you will have your official corporate Tax ID 
number from the IRS.   
 
With the Tax-ID you can go open up bank accounts, and get the 
business an establish line of secured credit from the bank.  If your 
personal credit is so bad you can’t get a bank account, you might want 
to consider using your new credit file.   
 
Most cell phone companies only require your name, and Corporate Tax 
ID to begin service.  Often a one hundred dollar deposit will be 
required because the fact that they do no personal credit check.   
 
Same thing goes for all credit or banking your business does.  Keep 
your personal ID numbers away from these institutions like the plague.  
Establishing trade credit, bank accounts, secured credit cards, and so 
on, will get your business on the quick path to financial prosperity.   
 
Keep all property, bills, and expenses in the business name when at all 
possible.  Only give them your Corporate Tax ID if at all possible, and 
pay the deposits so you don’t have too.   
 
Apply by mail, or online when you can, often they will open the 
account right away with just your business Tax ID.   
 
Read through the offshore corporation section to learn how you can 
easily protect your assets in offshore foundations.    
Page 54 of 74                                                                                                                   
 
Disclaimer: All information received from Inform Yourself Industries does not qualify 
as legal or tax advice in any way and is for informational and entertainment 
purposes only.  This book is meant purely as a communication of information.  Lying 
on applications about bankruptcies, foreclosures, or anything in this regard is a 
Federal Crime as is misrepresenting your Social Security Number on applications. 
 
List Of Incorporation Services 
  
Exclusive List of the Best Incorporation Services 
 
These are the most reputable and affordable incorporation services: 
 
The Company Corporation: 
www.corporate.com  - One of the oldest incorporators in the USA 
 
My Corporation Company: 
www.mycorporation.com  - Best to deal with, cheap prices 
 
Biz Filings INC:   
www.bizfilings.com   
 
Legal Zoom INC: 
www.legalzoom.com  - Prominent company, advertises on T.V. 
 
 
These are the most reputable and best priced in the business.  They 
often have very fast service also.