New legal 9 digit number???
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  1. #1
    Join Date
    May 2007
    Posts
    67

    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


  2. #2
    Join Date
    Nov 2006
    Posts
    2,558
    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.

  3. #3
    Join Date
    Oct 2007
    Posts
    1

    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

  4. #4
    Join Date
    Feb 2010
    Posts
    2

    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

  5. #5
    Join Date
    Nov 2006
    Posts
    2,558

    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.