The file segregation mehtod

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The file segregation mehtod

Mirer14 Rep Points: 270

Posted on November 6, 2007 at 2:30 pm

This used to be a popular form of credit repair, when a person would use a number in place of their social security number (usually a EIN or TIN) and create a new credit file. Anyone know if this still works?

Xenigo123 Rep Points: 230

Posted on November 6, 2007 at 2:30 pm

I was under the impression that it only still works under certain cases, reason being if you are 45 years old and your credit file is only 10 days old it triggers a red flag to credit issuers. However, if you were 18-early 20's or a woman that was recently divorced you could slip through.

sigs Rep Points: 505

Posted on November 6, 2007 at 2:30 pm

In short this technique is used to create a new, problem free credit identity. This is flat out illegal. It is a federal crime to make false statement on a credit or loan application.In addition, in certain states ''file segregation'' might constitute civil fraud.