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FreePerfectCredi
16 Posts |
 Posted - 05/13/2008 : 2:42:06 PM
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www.FreePerfectCredit.com
Did you know there is a way to get a NEW personal credit profile with a 720+ in less than 45 days?
Did you know you can USE this NEW personal credit profile to finance cars, new homes, credit cards, and lines of credit?
Did you also know that we have a system that can CREATE your new credit profile in 45 days AND approve you for the following…
- $150,000 Unsecured Line of Credit for individuals
- $350,000 Unsecured Line of Credit for Businesses
- $250,000 in credit accounts for businesses
If you are suffering from bad credit or if you want to start your own business and need access to CREDIT, please visit our website.
We are locally owned and operated and looking forward to helping you!
www.FreePerfectCredit.com
***Interested in selling products like these? Then make sure you check out our Wholesale Partners page listed on the website*** |
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CreditRepGal
584 Posts |
Posted - 05/16/2008 : 6:24:11 PM
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The "New Credit File" Scam
By now, you have undoubtedly seen many ads and some Spam e-mail regarding a "fool-proof" way to create a "new credit file", otherwise know as "File Segregation".
What is "File Segregation"?
File Segregation, (known as 'Getting a New Credit File') is the process of obtaining a separate identification number, usually a federally issued EIN (Employer Identification Number) or TIN (Taxpayer Identification Number), and using it in place of your Social Security number when applying for credit. This is intended to shield an applicant's true credit history from an inquiring agency. So far, this may sound like a reasonable idea.
So, what's the scam?
The are many, many sites and scammers offering File Segregation Services, and each in turn is shut down by government investigators, but not before many people fall prey to the site operators first. What these operations are trying to do is to give you a "new identity". You pay their fee and sign up for their services. Then you are directed to apply for an Employer Identification Number. Sometimes, they even provide you the forms and some instructions on how to fill them out.
When you get the EIN, you will be told to use that instead of your Social Security number when you apply for credit. They'll probably also tell you to use a new mailing address.
OK, so what's wrong with "File Segregation"?
Basically, some of the acts to required accomplish this new credit file are ILLEGAL!
First, you are applying for an EIN, when in fact you have no intentions of using the number provided by the IRS for the intended purposes. Since the form requires you to sign it under penalties of perjury, well, you can see the problem there. You can view the application form at http://ftp.fedworld.gov/pub/irs-fill/fss4.pdf.
Second, under the Federal Trade Commission's Credit Repair Act, it may be a felony to use a false identification number.
Third, if you use any means of interstate commerce, such as the mails, telephone, or fax, to submit an application for credit, you can also be prosecuted for mail or telecommunications fraud.
And finally, if a creditor is damaged (they lose money) because you defaulted on a loan obtained by an application with false statements, they can sue you for fraud as well.
Though it may be tempting and a quick fix for your present credit problems, it could cost you thousands of dollars and maybe even jail or prison time. And while you will have a second file for a while, it will not take very long for the credit bureaus to catch on. This scam has been around long enough that the credit bureaus are quite familiar with it, as soon as they detect it, they will merge the real and the "new" files, with an additional notation that you are using a false SSN.
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Mtgpmp10
32 Posts |
Posted - 05/16/2008 : 7:44:47 PM
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| This guy is definatly a scam.. |
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hpmfinancial
1444 Posts |
Posted - 05/16/2008 : 8:19:08 PM
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Get the hell off the outpost scammer. Your website has been registered for about 10 days and you have this nice little bit of info on your site "Since 1999, FreePerfectCredit.com has been helping its clients get BACK on their feet with our easy 3-step process!"
Besides asking people on the outpost to become criminals, you are straight up lying about your "company" |
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htdifinancial
1511 Posts |
Posted - 05/17/2008 : 07:12:11 AM
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| Are you serious???? And you're in Scottsdale Arizona! I can't believe these scammers still show up. I'm definitely reporting this to the National Association of Credit Services Organizations the next board meeting we have. |
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Mtgpmp10
32 Posts |
Posted - 05/17/2008 : 09:35:29 AM
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| what thats it??...your exposed freecreditreport.com so now you have nothing to say for yourself??? You should be ashamed of yourself for your faudelent acts... |
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FreePerfectCredi
16 Posts |
Posted - 05/19/2008 : 09:35:26 AM
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| CreditRepGal should do a little more homework on our company before she slams us like that. If you actually took a second to read our website you would have saw that we do not provide EIN or TIN numbers. It is illegal for non government agencies to issue these numbers. What we do is issue a credit profile number, which can be used for BUILDING CREDIT, not using it in place of your social security number. I would suggest all of you to go to our website and click the "NEW CREDIT PROFILE INFO" link. Read that first before you go jumping to conclusions. |
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htdifinancial
1511 Posts |
Posted - 05/19/2008 : 11:05:20 AM
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ILLEGAL.
http://www.nacso.org/results.php?id=S0807M05091704 |
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CreditTechnologi
454 Posts |
Posted - 05/19/2008 : 11:36:31 AM
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quote:
Originally posted by FreePerfectCredit.com
CreditRepGal should do a little more homework on our company before she slams us like that. If you actually took a second to read our website you would have saw that we do not provide EIN or TIN numbers. It is illegal for non government agencies to issue these numbers. What we do is issue a credit profile number, which can be used for BUILDING CREDIT, not using it in place of your social security number. I would suggest all of you to go to our website and click the "NEW CREDIT PROFILE INFO" link. Read that first before you go jumping to conclusions.
Title IV of the Consumer Credit Protection Act (Public Law 90-321, 82 Stat. 164)
SEC. 404. PROHIBITED PRACTICES.(7)
(a) In General.--No person may--
(1) make any statement, or counsel or advise any consumer to make any statement, which is untrue or misleading (or which, upon the exercise of reasonable care, should be known by the credit repair organization, officer, employee, agent, or other person to be untrue or misleading) with respect to any consumer's credit worthiness, credit standing, or credit capacity to-- (A) any consumer reporting agency (as defined in section 603(f) of this Act);(8) or
(B) any person--
(i) who has extended credit to the consumer; or
(ii) to whom the consumer has applied or is applying for an extension of credit;
(2) make any statement, or counsel or advise any consumer to make any statement, the intended effect of which is to alter the consumer's identification to prevent the display of the consumer's credit record, history, or rating for the purpose of concealing adverse information that is accurate and not obsolete to--
(A) any consumer reporting agency;
(B) any person--
(i) who has extended credit to the consumer; or (ii) to whom the consumer has applied or is applying for an extension of credit;
(3) make or use any untrue or misleading representation of the services of the credit repair organization; or
(4) engage, directly or indirectly, in any act, practice, or course of business that constitutes or results in the commission of, or an attempt to commit, a fraud or deception on any person in connection with the offer or sale of the services of the credit repair organization.
(b) Payment in Advance.--No credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed.
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FreePerfectCredi
16 Posts |
Posted - 05/19/2008 : 11:47:13 AM
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IS IT LEGAL?
Presently, federal law allows the ability for someone to legally use a private ID # for financial reporting purposes instead of a Social Security Number.
Title 5, Section 7 of Publication Law 93-579 of Government Organization and Employees Act:
(a) (1) It shall be unlawful for any Federal, State or Local Government Agency to deny any individual any right, benefit, or privilege provided by law because of such individual’s refusal to disclose his or hers Social Security Account Number.
To further understand the code:
Title 5 of the United States Code Annotated 552(a) knows as the Privacy Act, ruled in part:
“Right to privacy is a personal right designated to protect persons from the unwanted disclosure of personal information.” – CAN Financial Corp vs. Local 743, D.D., I11, 1981 15F. Sup. 943,I11.
(A)(1) “It shall be unlawful to deny any individual any right, benefit, or privilege provided by law because of such individuals’ refusal to disclose his or her social security account number”.
Pub. L 93-579: (B)
“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 Equal Credit Opportunity Act (ECOA) prohibits creditors from denying you a loan based on reasons that have nothing to do with your credit-worthiness. What this means is Federal Law protects those who do not wish to disclose their personal information (SS#) except where required to do so. Disclosure of your social security number is only required when dealing with the IRS, your employer, applying for a federally insured mortgage or dealing with any one of a short list of authorized government agencies. Instead of a Social Security Number, you now have the opportunity to establish a Personal Credit Profile (PCP). VERY FEW PEOPLE KNOW ABOUT THIS BECAUSE THE SOCIAL SECURITY ADMINISTRATION AND THE CREDIT BUREAUS DON’T WANT YOU TO KNOW ABOUT IT.
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FreePerfectCredi
16 Posts |
Posted - 05/19/2008 : 11:49:17 AM
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The 3 major credit bureaus base your personal credit file largely on a 9-digit number you supply to them. For most, this is the Social Security Number (SSN), but in reality, there is no obligation to use such a number if you do not wish. The Privacy Act of 1974 clearly establishes the true purpose of the Social Security Number and your right NOT to disclose it. Private companies such as credit bureaus prefer use of the SSN because most Americans (and legal U.S. Residents) had one and one could be reasonably certain that each person's SSN was different. The bureaus go through great lengths to verify and confirm that the number given by an individual is a valid SSN and not simply a made up 9-digit number.
You are not required to give an SSN in order to maintain a credit profile. We have an alternative: The NEW Personal Credit Profile™ (PCP). The PCP is a 9-digit number, specially formatted to be treated by the credit bureaus systems as if it were a valid SSN which we will also cause to be associated with a brand new, fresh, blank credit profile in YOUR NAME for immediate use as a HEAD START for your financial future.
It is used by celebrities, congress members/government workers, and witness protection reasons. For example, celebrities use it because the media can use their SS# to track what they are buying and where they are simply by tracking their credit cards. Further, in example, congress holds special privileges to the law; therefore, their privacy needs to be protected. In another example, witnesses under protection can be located if they use their true social security number for transaction. This is the reason why there is the existence of a Personal Credit Profile program. Reasons are not limited to the previous, so why shouldn’t you have a PCP?
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Carpet Muncher
1378 Posts |
Posted - 05/19/2008 : 12:25:07 PM
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order of events...
arrested
jail
tossing salads
shanked in shower
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Mtgpmp10
32 Posts |
Posted - 05/19/2008 : 12:54:24 PM
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order of events...
arrested
jail
tossing salads
shanked in shower
LOL GOOD ONE |
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CreditRepGal
584 Posts |
Posted - 05/19/2008 : 5:43:50 PM
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| What a joke. |
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hpmfinancial
1444 Posts |
Posted - 05/19/2008 : 9:21:49 PM
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| I bet the threadstarter can get fake SS cards as well. |
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loanbroker5
1499 Posts |
Posted - 05/20/2008 : 1:22:52 PM
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| ITS SIMPLE, A CPN NUMBER IS (NOT) ILLEGAL, WHAT IS ILLEGAL IS WHEN A CREDITOR ASKS FOR YOUR SOCIAL SECURITY NUMBER AND YOU GIVE THEM A CPN NUMBER INSTEAD. ANY CREDIT APPLICATION ASKS FOR A SOCIAL SECURITY NUMBER, YOU ARE NOT OBLIGATED TO USE IT, HOWEVER IF YOU GIVE A NUMBER OTHER THAN YOUR SOCIAL SECURITY NUMBER (AND THE APPLICATION IS ASKING FOR A SOCIAL SECURITY NUMBER) YOU ARE COMMITTING FRAUD. IF YOU TELL THE CREDITOR THAT ITS NOT YOUR SOCIAL SECURITY NUMBER AND ITS A CPN NUMBER AND THEY ALLOW YOU TO USE IT, THEN IT WILL NOT BE FRAUD, HOWEVER THERE IS NOT A CREDITOR ON THIS PLANET THAT WILL ALLOW YOU TO USE THAT FOR OBTAINING FINANCING |
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