CHECK BANKRUPTCY OFF YOUR CREDIT FILE BY CHECKING IT
OUT
The following method of manipulation works (according to some who have used it) when combined with the precious “change of address” method. Just follow these next five steps!
- Discuss the technique with an attorney who is willing to help.
- Because bankruptcy is overseen by federal courts, bankruptcy files are kept in the
federal archives. - Before you apply for credit have your attorney request to have your file “checked-
out” from the federal archives. - Using your out-of-state address as described in the previous “change of address”
method, follow the normal procedure used for appealing any damaging information
appearing on your credit report. - As long as your attorney has your bankruptcy file, a credit reporting agency will
not be able to verify its contents. If they cannot make verifications within 30 days,
they must remove the damaging information form your credit report. Because credit
bureaus can request an extension, your attorney may have to repeat the process
several times. It becomes a question of who will tire first. According to those-in-theknow,
it’s usually the credit bureau.
HOW TO REMOVE A JUDGMENT THROUGH A “MOTION TO VACATE”
People have reportedly removed damaging entries (such as judgments) from their credit files by using the following method:- Hire an attorney who is willing to help you with your goal of having damaging
entries removed form your credit file. - Ask your attorney to file a motion of Service of Process for the purpose of having
a damaging judgment entry removed from your credit file. It may be a weak
argument for sure, but in this motion, your attorney will argue that the process was
served improperly. People have reported that this technique will ultimately work in
your favor. - By filing a motion of “Service of Process” you are forcing a creditor to appear in
court with an attorney to prove the initial legal process was done properly. - This legal maneuver works in your favor because, if the lender responsible for the
judgment (for example) has been paid, why would he even want to go through the
time and expense of showing up? - If you show up and the creditor doesn’t, you win your case through default. Then
you will have the legal ammunition necessary to have the damaging judgment
information removed from your credit file.
ESTABLISH AAA CREDIT IN 30 DAYS
To work this plan you need at least $400 to begin. You should borrow this from your friends if necessary. Then go to a bank of your choice and deposit the $400 into a regular passbook savings account.
Wait a few days for the account to be posted and return to the bank to ask for a $400 loan - you offer the passbook as collateral. Since the bank is already holding your $400, you go to another bank open a savings account lending you another $400 and they won’t even make a credit check. Then, with your borrowed $400, you go to another bank, open a savings account, return a few days later, borrow $400 from that bank using your passbook as collateral.
Then repeat the process at a third bank with your borrowed $400. Wait a few days to go to a fourth bank where you open this time a CHECKING account. Wait a few days and make a payment on each of the other three loans. A week later, make payments again on the three loans, and continue paying each week until you have almost paid off the balance.
A credit investigation at this point will show you with three active bank loans (which are considered hard to get), a checking account, and a paying history for the three bank loans - with you having paid up in advance. Thus, you have AAA credit in as little as 30 days. From here you go on to apply for loans, credit cards, and other items on credit.