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Common Questions

Is it possible to start over with a clean slate?

Yes it is possible and many consumers have been known to do it, but it is fraud. The only ways to establish a new credit file is to assume someone else's identity, alter your social security number or use an employer identification number (EIN) in lieu of an SSN. Lying about personal information is a crime. You should steer clear of any company that promotes this fraudulent practice. If you get caught, you could be facing steep fines and even jail time.

In addition, a brand new credit report with nothing on it is suspicious; especially if, at your stage in life, you should have an established file. Plus, no credit history can be just as detrimental as a tarnished credit history. Creditors aren't likely to lend you money if you don't have an established history that demonstrates your creditworthiness.

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