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Credit Secrets: How To Erase Bad Credit | 
 enlarge | Author: Bob Hammond
Publisher: Paladin Press
Category: Book
List Price: $18.00
Buy Used: $1.00
You Save: $17.00 (94%)
New (5) Used (20) from $1.00
Rating:  4 reviews
Media: Paperback
Pages: 136
Number Of Items: 1
Shipping Weight (lbs): 0.5
Dimensions (in): 8.3 x 5.4 x 0.4
ISBN: 0873645294
Dewey Decimal Number: 332.743
EAN: 9780873645294
Publication Date: November 1, 1997
Availability: Usually ships in 1-2 business days
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Product Description
This expanded Credit Secrets will save you thousands of dollars in fees, finance charges and interest payments as you learn the very latest techniques to get rid of debt once and for all and establish good credit. Discover proven tricks used by lawyers, credit counselors and other pros who charge handsomely for their services.
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| Customer Reviews:
 Really Dumb Things you can do with your Social Security Number April 9, 2008
Muffin (Brooklyn, NY)
This book covered very basic information on how your credit report works & offered some very dubious ways to clear it up. For example: Change your social security number. I'm pretty sure there are some illegal things going on with that!
Illegal practices January 17, 2005
Tactical
3 out of 3 found this review helpful
Hiding Bad Credit Is Illegal.
Some credit repair schemes promise you that they can "hide" bad credit by helping you to establish a new credit identity. If you pay a fee for such a service, the company may direct you to apply for an Employer Identification Number (EIN) from the Internal Revenue Service, and to use the EIN in place of your social security number when you apply for credit. You may also be instructed to use a new mailing address. This practice, known as file segregation, is a federal crime.
This is a crock AND it's illegal. April 17, 2001
30 out of 30 found this review helpful
He touts something called "file segregation". He also claims it's legal.It is ILLEGAL...do an Internet search for "ftc.gov" and "file segregation" for more details. It involves getting another social security number (actually it's an EIN--employer ID number that's used for business purposes--but you're asked to use it as an SSN). Don't waste your money on this...there is no quick-fix for credit problems. There are much better books out there that show you how to rebuild your credit legally.
 Informative reading. September 7, 1999
43 out of 44 found this review helpful
This book has good information for those with minor credit problems. It also has info on file segregration, which is only useful if credit applications do not ask if you had previous credit problems. Disappointingly, for anyone who has a bankruptcy, this book does not provide information on how to re-establish your credit with what I consider to be 'straightforward' means.
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