| There are different ways to open a new credit | | | | |
| file each of which works to help one build a | | | | Most people don't realize that credit bureaus |
| new credit file and utilize simultaneously | | | | are private firms that issue rankings on your |
| while repairing ones credit or establishing | | | | credit when a credit check is done. People |
| credit. | | | | with bad credit are not doomed and there are |
| | | | ways out of the bind. |
| One can use their own name with different | | | | |
| personal information. You can also use the | | | | Understand that a credit bureau is a massive |
| same personal information with different | | | | data base and new names are entered every |
| first or last name, or use an alias with | | | | second. If you call the credit bureau and |
| different personal information. Before you | | | | give them your information they are able to |
| decide which way to go you must know exactly | | | | pull your credit report and FICO score. All |
| what you are trying to do. | | | | three credit bureaus work in the same way. |
| | | | |
| Personal information data include birthdate, | | | | Any variation in the way your details are |
| social security number and address. | | | | presented lodges the details as a new credit |
| Variations can be made easily to the address, | | | | file because there is no history of the |
| but other variations including social | | | | person. Therefore you have essentially |
| security number and birthdate require you to | | | | created a new credit file therefore a new |
| be very keen to the inner workings of credit | | | | identity. |
| and how credit bureaus work. | | | | |