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Frequently Asked Questions

Is it legal?

Yes! The manual describes the same techniques used by attorneys. This program however, is not intended to defraud or scam current creditors. Even though you will have a new credit file, you are still responsible for the debts on your old file.
What can I use the new credit file for?
Use it to get major credit cards, department store cards, gas cards, auto loans, bank loans, mortgages, any type of financing you desire. There is no difference between how you used your old credit file and the new one, other than your new file is clean/empty.
What happens to my old file?
Your old file still exists, and creating a new file is not intended to escape past debt. It is simply a means of getting a second chance. The manual will also explain how to avoid getting the new file mixed with the old.
Is the new file temporary?
No! The new file is permanent! This is why it is so important to take care of your new credit file. There are no third chances!
How does it work?
The credit bureaus admit they have over 300 million files on record. Yet there are just over 100 million people in the US! Where did the extra files come from? In the early 1990's an attorney in Los Angeles discovered a loophole in the credit reporting system. It seemed that some people had more than one credit file! He did some investigating, and learned how the new files were created. If a person applied for credit as John Doe, it pulled up that persons regular file. But if that same person applied for credit as Johnathan Doe, or John (middle initial) Doe, it created a new file! They didnt even go by Social Security Number! The credit bureaus would rather create a new file than take the chance of getting 2 different peoples mixed up! *Note* If you are thinking of just running out, getting a credit application, and trying this, don't. It is illegal to falsify a credit application. What I have explained is just the tip of the iceberg. It is a much more complicated process. Trying it on your own will just get you denied, and another negative inquiry on your report!
Can I really have a new credit file?
Yes! As long as you have not changed your Social Security Number before, or previously opened a second credit file, YOU can get a second chance!
How much will it cost after I buy your manual?
Nothing! The process itself is free! Your only cost is the manual. Once you learn how to do it, you can even show your family or friends how!
We do not repair your credit.   We simply provide you with information that others have used in the past to obtain credit. Here is a statement the FTC requires all credit repair companies to post to their customers. 

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