How To Create A Brand New UK Credit Report (Credit File)
(plus How To Add A Positive Credit History To Any Credit Report)
This special bonus eBook (available in both PDF and .exe (Windows) format) is available free of charge when you order our UK business bank account premium information pack.
Please note that the owners and publishers of this website accept no responsibility whatsoever for the actions of readers of this section who may misuse the credit information contained herein for deceptive or illegal purposes. All knowledge and facts presented in this section is for informational purposes only. You should never try to evade your current credit and debt obligations.
Do You Have CCJs, Defaults Or An Adverse Credit Payment History?
If, like many people, you are in the position of having a bad credit history with any of the above bad credit items on your UK credit report (credit file), then you know how difficult or downright impossible it can be to obtain any further credit. If you required a credit card, for example, you would have to apply for one that was specifically aimed at those with adverse credit. Even then you might not be accepted.
Creditors would say that this is the reason why they are there. Sometimes, though, these bad credit items appear on your credit report (credit file) without your knowledge or through no fault of your own.
In such circumstances you have had no opportunity to defend yourself and you may even be totally innocent. If, for whatever reason, you believe that you are not liable for the debt lodged against you then you will, quite naturally, want to try and remove those derogatory bad credit items from your credit report (credit file).
You may have tried to repair your credit file. You may have had some success, particularly with the removal of your County Court Judgments (CCJs), but you know that unless you offer a repayment schedule to the creditors that you supposedly owe money to, then they aren’t going to remove those defaults from your credit history / credit report (credit file), which is something only they can do. And remember, defaults stay on your credit history / credit report (credit file) for 6 years just like CCJs.
What Are The Possible Solutions To The Bad Credit History On Your Credit Report?
Well, if you refuse to pay your creditors anything and you have had trouble setting aside (removing) your CCJs permanently, you could do one of two things:
(i) Wait the full 6 six years for your defaults and CCJs to disappear from the records of the credit reference agencies, during which time you will probably be refused any further credit.
(ii) Create a new UK credit report (file) and rebuild a new credit history from scratch.
If you are a seasoned credit information gatherer you may have come across reports on the Internet that tell you how to obtain a new clean credit report (file). These reports are aimed solely at the American market, even though they are sold as being applicable to the UK market also. This is untrue.
For your interest you can download a couple of the US specific ‘new credit file’ reports here (*.zip 298K).
If you have a quick browse through them you will see that the basic US method for the creation of a new credit report (credit file) and subsequently a new credit history is to use a TIN# (Tax Identification Number) or EIN# (Employer Identification Number) for credit applications instead of your normal SS# (Social Security Number). TIN# and EIN# look very similar to SS#. In the US, everyone is identified by their SS#, so when you apply for credit they simply use this number to check your credit file & credit history.
This method of creating a new credit file in the US is called ‘file segregation’ and involves creating what is essentially a new credit report using your TIN# or EIN#, so that when you apply for credit you will now be identified by either your TIN# or EIN#, not your SS#. This new credit file identified by your TIN# or EIN# will be clean, whereas your old ‘dirty’ credit file will be identified by your #SS. As far as the computers at the credit reference agencies (or credit bureaus in the US) are concerned, these two credit files are the credit reports of entirely different people. As far as we know file segregation is now illegal after a massive clampdown by the federal authorities on credit repair companies offering such credit services.
Supposedly, using a newly acquired TIN# or EIN# to apply for credit is illegal. However, on reading the reports above, you will see that they say that if you cross out the SS# on the credit application form and write TIN# or EIN# followed by the appropriate TIN# or EIN#, then you are not misleading anyone as you have made it quite clear that you are submitting a TIN# or EIN# and not a SS#! Well, that may be the case, but if you default on a payment and the creditor finds out that you have created a new file using segregation you could be in trouble. All very complicated, which is why this process caused such a furore in the US some years ago. However, they’re still selling (and buying) the manuals, like the ones you may have downloaded above on how to do it yourself, so some people must still believe it works.
To make sure that the new TIN# or EIN# credit file that has been created is not merged with your old SS# credit file, they also suggest that you use different personal details such as a new address and a new telephone number.
Your Credit Report & Credit History In The UK
Of course, in the UK, this method would not be applicable as our credit history is not linked to our National Insurance numbers. We don’t know why this is the case but the two aren’t connected.
In the UK the scenario is quite different. The way that creditors and other organisations check and verify your identity and address and consequently your credit history is mainly via the ‘Electoral Register’. (if you have moved recently and aren’t on the electoral register yet but have a credit history at your previous address then you will not necessarily be turned down for credit. Potential creditors will ask to see something like a utility bill or bank statement instead to prove your address.) This is essentially a list, by address, of all eligible voters.
Your name has to be on this list by law and you have to be on this list in order to cast a vote in elections. Failure to include your name on this list is technically a punishable crime, usually by a fine. However we have yet to hear of anyone who has been convicted of not doing so. During the poll tax demonstrations some years ago many people refused to attach their names to the register and it is thought that there are today over 6 million people who are entitled to vote but simply do not bother to register. Imagine trying to fine all those people, even if you could find them!
Your electoral register information then appears on your credit file held by the credit reference agencies and every time you apply for credit the lender will check your credit report and verify your identity and address by using this electoral register information.
However, we have discovered that there are many flaws and loopholes in this UK system of credit checking. Consequently these loopholes can be used by knowledgeable people to create an entirely new credit file and credit history for themselves.
After much research, we have put together a Free Special Report called:
‘How To Create A Brand New UK Credit File’
This comprehensive report (7000 words) is for all those who want to find out about the possibilities of building a new credit history by creating a new credit report (credit file) in the UK by exploiting all the loopholes in the UK credit system.
You will not (legally) find this information anywhere else on the Internet. It is an original report and written solely by us. It is relevant to the UK credit system only.
“What a great site. I’ve read through your information especially the eBook New Credit File. I should have thought of this myself. I’ve spent a lot of time looking for information about credit and credit files and you guys seem to have it”. – T. UK
In the new UK credit file Special Report you will discover:
- The inherent flaws in the electoral registration system as a method for verifying an individual’s identity and address.
- How the credit reference agencies really operate.
- What the National Hunter database is and what it does.
- All the loopholes in the UK credit system.
- How to create a credit file in the UK using any details you wish.
- The 4 possible methods of creating a credit file.
- How to create a new credit file by changing your address. This method is discussed briefly in the UK Credit Secrets eBook under Useful Tip 5 – Leaving Your Bad Credit History Behind.
- Information about the legality of creating a new credit file.
- Whether having an alias is illegal.
- How to create a second identity using your present credit card.
- How to add years of positive credit information to any credit file. You need access to just one thing and it’s so easy and totally legal. (We’ve seen people offering to do this for you on the web who are charging literally thousands of £s!).
- Find out how you can add a AAA+ credit history to your credit file. Rapidly accelerate your credit worthiness. Ideal for those with no or a limited credit history who want to look like responsible trustworthy borrowers, which is, of course, what lenders are looking for!
- The UK bank account loophole. Why you don’t always need hard ID to open a bank account.
We also recommend that you download our UK Credit Secrets eBook.
“In answer to your question, yes I have read it and found it extremely useful. I may very well take advantage of the prepaid MasterCard in the near future, along with your other offers”. – S.R. UK
The completely revised Version 6 is the latest version.
All purchasers will always be able to download the latest version from our download page.
Available in both .exe (Windows) and PDF (Adobe) formats.
Please note: We are the originators of this information. As such, we always have the latest version of the eBook. Beware of other sites selling this information. They are simply using the information from older outdated versions of our eBook. We know of some of the sites illegally selling our products. If you see any site selling this information then please let us know. Thank you.
At the present time we are giving this eBook away free when you purchase our UK business bank account premium information.
Previously we were simply allowing people to download a free copy. Unfortunately some people have been illegally selling the eBook. This is good in one respect as it is an indication of the power of the information presented. As a result we will not be giving it away free as a standalone product any longer.
“Thank you for the information. Very useful. The report in particular is excellent. I have bought other reports on the subject in the past but they were not nearly as detailed”. – Thomas S. UK
Special Offer
Due to a large number of requests from people who want this eBook but do not need the UK business bank account information service we offer, we have decided to allow people to order this unique credit file eBook on it’s own for the reduced price of just £7.00. This is up to a £28 discount on the normal price you would have to pay to obtain a copy.
Order This New UK Credit File eBook From Us For Only £34.95 £7.00
We shall be running this Special Offer until the 31st October 2023.
You will also receive free of charge our UK Credit Secrets eBook.
Remember, this information is not available anywhere else apart from people who previously downloaded older versions of the eBook and are now selling it without authorisation.
Click on button below to order this unique ‘new UK credit file’ eBook online by secure server (Paypal).