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  1. #1
    tothetop! is offline Member
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    May 2007
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    New legal 9 digit number???

    This has to be a scam, or mostly illegal.....anyone with knowledge on obtaining a new 9 digit number for credit purposes? I found two websites selling the information:

    http://www.legalcredit.com/

    http://linkspiders.com/laws411/laws4...dit%20file.htm

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  3. #2
    apexcrsrv is offline Registered User
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    They're referencing a EIN number or Employment Identification Number. Doing so for the purpose of establishing another credit file is illegal for them and a bad idea for you unless you have a legitimate business. Even still, it will do little for you because virtually all creditors check the personal credit histories of sole proprietors and officers of small LLC's & Inc.'s.

  4. #3
    Space is offline Newbie
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    Here is the facts

    The one on the top called legalcredit is a scam they instruct you to change details about your self to mislead creditors in an attempt to generate a unique persons credit file what they do not tell you is is that it catches up with you very quickly after you have paid them, their instruction is also illegal and is called file segregation.

    The one below which is laws411 shows the correct way to use the number I found no illegal instruction in their program nor was their any hint to mislead creditors by obtaining a new credit file and no hint of file segregation.

    The use of a second number and obtaining a number is legal in itself but like anything if you use it to mislead then it becomes illegal, example obtaining a checking account and check book from a bank is legal but if you use the check book to bounce checks after you obtain goods then that is illegal.

    Solution obtain a number and use it correctly.


    Quote Originally Posted by tothetop! View Post
    This has to be a scam, or mostly illegal.....anyone with knowledge on obtaining a new 9 digit number for credit purposes? I found two websites selling the information:

    http://www.legalcredit.com/

    http://linkspiders.com/laws411/laws4...dit%20file.htm

  5. #4
    CreditFile is offline Newbie
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    Feb 2010
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    Re: New legal 9 digit number??? (YES THIS IS LEGAL)

    I first want to introduce myself. My name is Rick Crosby founder of LegalCredit.com and it bothers me that so many people throw the word SCAM around just to try to get search engine visitors click on the URL that they are trying to promote in these posts. If you understand internet marketing then you understand why people post comments like this.

    We need to set the record straight for all of these guys trying to promote their site and using my website name to gain publicity.

    1. CREATING A NEW CREDIT FILE FOR BUSINESS PURPOSES IS LEGAL
    2. KNOWING YOUR LEGAL CREDIT AND CONSUMER RIGHTS IS LEGAL
    3. WRITING CREDIT EDUCATION BOOKS IS LEGAL

    I have a very strong passion in helping who struggle with bad credit everyday with my free newsletters and support emails that I personally respond to daily. I know what it is like because I used to have bad credit myself from a bankruptcy that I went through many years ago and I have 750+ FICO Credit Scores.

    I sleep well at night knowing that I have been able to help so many people from just giving away free information in my weekly credit repair newsletters. You don’t have to buy anything from my site and you will still learn new ways to repair bad credit, building new credit and keeping your good credit.

    For all of the skeptics out there who believe every negative internet post or comment they find is truly missing out on the BIG picture with the insider credit education that I teach to thousands every day.

    YOU NEED TO OPEN YOUR EYES TO BE ABLE TO FIND THE SOLUTIONS THAT EXIST

    My book Legal Credit Secrets Exposed teaches you much more then how to create a new credit file.

    Creating a new credit file for business purposes is always optional and can be used legally if YOU DO NOT intend on committing fraud. This is the part that everyone always forgets. A book cannot force you to do anything illegal. YOU are the only person who would be responsible for YOUR own actions!

    But if your question if it is LEGAL to create a new credit file?

    I can tell you that reading a book that teaching you everything you need to know to fix your credit and live a better life is not illegal. However, if you use the info in my book for fraudulent purposes, then yes you can get in trouble.

    Think about it this way, if you were to contact a lawyer and ask them if it is illegal to open up a business entity and build up a good business credit file to separate your personal assets from your business assets, would that be illegal?

    No, it would not be and this is only 1 of the many things you will learn in my book, Legal Credit Secrets Exposed.

    Good luck,

    Rick Crosby

  6. #5
    apexcrsrv is offline Registered User
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    Re: New legal 9 digit number???

    Inputing a EIN instead of a social on an app and thereby creating a new file is illegal. It is fraud. Anyone who advises someone to do that can and should be charged with accessory and conspiracy.

    Having a shady mortgage broker submit a sham application w/o any SSN on the app leaves the credit reporting agencies no choice but to assign a nine digit number. Again, fraud.

    Conversely, submitting an app for a business account with a valid EIN is legal. However, and again, virtually all lenders require a SSN so that they can run your personal credit.

    I have no idea what these companies do and frankly, I don't care. However, I am a lawyer and I will advise anyone considering the notion of establishing a "new" file is asking for a felony indictment or information and likely, a conviction.

    Don't do it.

  7. #6
    billbauer is offline Senior Member
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    Re: New legal 9 digit number??? (YES THIS IS LEGAL)

    Quote Originally Posted by CreditFile View Post
    I first want to introduce myself. My name is Rick Crosby founder of LegalCredit.com and it bothers me that so many people throw the word SCAM around just to try to get search engine visitors click on the URL that they are trying to promote in these posts. If you understand internet marketing then you understand why people post comments like this.
    I think I know a little bit about internet marketing myself. As many people here know I've been around this internet for a very long time, probably for more years than at least 1/4 of all internet denizens have walking around the face of this old earth. More than a quarter of a century of internet marketing experience so I think I know a wee bit about it and one thing I can say is that trying to sell anything on this or any other forum such as this one is certainly not the most effective way to sell much of anything, including credit repair methods or books.
    We need to set the record straight for all of these guys trying to promote their site and using my website name to gain publicity.
    Who is doing that?
    I have a very strong passion in helping who struggle with bad credit everyday with my free newsletters and support emails that I personally respond to daily. I know what it is like because I used to have bad credit myself from a bankruptcy that I went through many years ago and I have 750+ FICO Credit Scores.
    Funny! So does every other credit repair expert out there. Quite frankly I've never seen any credit repair expert yet who had a score of less than 750. Sort of reminds me of the days before April 19th, 1995 when the militias were just getting really popular. You couldn't buy a general's star in any army surplus store anywhere. I've often wondered when 850 will become the new standard of excellence. (LOL)
    I sleep well at night knowing that I have been able to help so many people from just giving away free information in my weekly credit repair newsletters. You don’t have to buy anything from my site and you will still learn new ways to repair bad credit, building new credit and keeping your good credit.
    I might have to subscribe to it and might even buy your book to see what all I have been missing. I've already got a small library of such books and still haven't seen much that I considered to be exciting new must have info. Maybe yours will teach me something I don't already know.
    For all of the skeptics out there who believe every negative internet post or comment they find is truly missing out on the BIG picture with the insider credit education that I teach to thousands every day.
    Thousands every day? That has to be a huge mailing list
    YOU NEED TO OPEN YOUR EYES TO BE ABLE TO FIND THE SOLUTIONS THAT EXIST
    There certainly are a great many of them.
    My book Legal Credit Secrets Exposed teaches you much more then how to create a new credit file.

    Creating a new credit file for business purposes is always optional and can be used legally if YOU DO NOT intend on committing fraud. This is the part that everyone always forgets. A book cannot force you to do anything illegal. YOU are the only person who would be responsible for YOUR own actions!
    I'll agree that a book or a web site cannot force you to do anything illegal but they can and usually do provide exciting new information that leads gullible people to do all manner of supposedly great things. Let's try a few examples just for kicks. How about taking your latest dunning letter from your favorite debt collector or creditor, endorse the back side and send it to the United States Treasury to help them pay off the national debt? I'm sure most here would like to see how that works. It is really quite simple. You see, when you were born they filled out your birth certificate with all capital letters and filed it with the state thereby creating your strawman. You were also given a 9 digit number at that time which created your treasury offset account and when you grew up and went to work you started paying into your treasury offset account but nobody told you about that so your treasury offset account kept on building over the years and now you can not only use it to pay off all your debts but help pay off the national debt as well. Great stuff that. Of course, your strawman is on the public side and so you have to create your own tinman which is your private side and you must be very careful not to let the two get all mixed up.

    Then there is the notary presentment process that you just have to learn all about. If you get a dunning letter demanding payment you simply use a conditional acceptance letter stating that you will conditionally accept the alleged debt conditioned upon their ability to prove that you owe the alleged debt. This must be signed in front of a notary presenter who then has to mail it back to the sender for you using their address. When they fail to prove that you owe the debt you have your notary presenter dishonor the the alleged debt and their hands are tied. They can't do a thing. Same process works for traffic tickets, IRS notices of levy, fines for violation of city ordinances, judgments and just about everything. Pays off student loans too. Great stuff that. I could probably fill up a whole book telling people about all this great stuff they are missing out on and sell it on internet forums for at least $29.95 plus shipping and handling. I'm sure I'd become an overnight millionaire and be able to spend the rest of my days on the sunny shores of Akapolko.
    However, if you use the info in my book for fraudulent purposes, then yes you can get in trouble.
    I know of a man who once posted on this forum under the name of westcap who can tell you all about providing false and misleading information to a lender. He now runs a few web sites and calls himself Western Capital something or other and a few other names. He lives in an apartment provided to him by his sister and runs his business from his magnificent suite of offices in Sandy, Utah. Google's arial view of the building shows it to be the location of a boxes etcetera store which probably has a whole wall full of such luxury suites. Robert got 2 years free room and board in a club fed facility for providing false and misleading information to a lender. That makes him quite an expert on the subject.
    Think about it this way, if you were to contact a lawyer and ask them if it is illegal to open up a business entity and build up a good business credit file to separate your personal assets from your business assets, would that be illegal?

    No, it would not be and this is only 1 of the many things you will learn in my book, Legal Credit Secrets Exposed. Rick Crosby
    I just might have to order your book and see what all it is that I don't know. I have 3 corporations which I set up, all 3 of which have excellent income and all 3 have great credit with no personal guarantees of any kind. It took me about 6 months to build a good income and a solid credit rating for each of them at a cost of less than $100 each. I didn't provide any lenders with any false or misleading information to do it and I didn't apply for any credit cards to build great credit scores either.

    I'm not an original genius myself. I learned how to set up great credit from a book I bought back about 1943 or somewhere in that time frame. I probably paid about $8 or $10 for the book back then in some bookstore or other. Needless to say that book is no longer in print but the method is still easily available and all you have to do to get the information is just click on my signature line and you will find it quite easily. No charge, no cost, no obligation. Just a click away.

  8. #7
    apexcrsrv is offline Registered User
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    Re: New legal 9 digit number???

    Not to interject into this post once again but, I just wanted to state once more that this stuff is illegal.

    DO NOT ATTEMPT TO GET A NEW "NUMBER." I don't care if it's called a CPN or someone tells you that you can use a EIN. You can't and you can go to prison. Same thing applies to any "primary" tradeline that offers any sort of history at all.

  9. #8
    billbauer is offline Senior Member
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    Re: New legal 9 digit number???

    Quote Originally Posted by apexcrsrv View Post
    Not to interject into this post once again but, I just wanted to state once more that this stuff is illegal.

    DO NOT ATTEMPT TO GET A NEW "NUMBER." I don't care if it's called a CPN or someone tells you that you can use a EIN. You can't and you can go to prison. Same thing applies to any "primary" tradeline that offers any sort of history at all.
    Since when is it illegal to form a corporation, get a new EIN nuimber, open bank accounts in the corporate name using the IRS issued 9 digit EIN number, establish a solid income for that corporation and develop lines of credit for that corporation without giving any personal guarantees or even giving any personal information about the owner whatever?

    In each of my 3 corporations I have established credit with 3 different banks by getting loans from each bank and paid those 3 bank loans off in full. Now your post here greatly concerns me because you seem to be saying that I may be doing something illegal that might land me in prison.

    I didn't give anybody any wrong or false information whatever. What have I done wrong?

  10. #9
    apexcrsrv is offline Registered User
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    Re: New legal 9 digit number???

    I wasn't referring to your post Bill. There is nothing wrong at all in applying for a business account using a IRS issued EIN.

    I was referring to whoever he is in this post basically telling people to take an EIN and input where a SSN is supposed to be supplied.

    Sorry for any confusion.

  11. #10
    billbauer is offline Senior Member
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    Re: New legal 9 digit number???

    Quote Originally Posted by apexcrsrv View Post
    is in this post basically telling people to take an EIN and input where a SSN is supposed to be supplied.

    Sorry for any confusion.
    No problem. I just had to make sure I wasn't doing the wrong thing somehow. No better expert than you to find out about something like that.

    Something else I'm wondering about. Does this advertiser we are talking about have a credit repair license or does he need one according to CROA?

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