Is it possible to create a new credit profile, legally ?

Question

Is there an expert in the house?

I am a proponent of the idea that anything can be accomplished with the right approach. If one doesn't know how to do something, there is no crime in asking for help.

It seem beyond my ability to comprehend that one must accept that reporting agencies have the last word on my credit worthiness.

People and circumstances change yet credit reports seem to reflect a skewed perception of who a person is, today.

I realise that past performance can indicate many things yet the past is only one small aspect (however significant) of the entire picture.

There must be a way to start over. I refuse to believe that my future is completely dependent on the past.

Answer 1

I don't think so!

Answer 2

Well, in the USA many of us accept responsibility for our past financial errors. I would advise that you do also. Grow up and rebuild your credit score.

And, NO, it is NOT legal to create your own credit profile. Attempting to do so is felony activity and you'll regret that also. Besides, people like you who create their own financial disasters don't often change their ways... and if you were permitted to create a new credit profile, you'd just end up in trouble again.

Answer 3

Only way to create a new profile would be to legally change your name. However, the two names would still be linked... so it's not advisable. (there are ways to keep them separate, however they are not legal)

Answer 4

Start with one of those cash deposit credit cards.
You put 200 to $300.00 in their account and they
issue you a line of credit for that amount.
ralph m.

Answer 5

no..if YOU wanted to you would have to Change your name. move, etc etc AND that is A LOT of money and time..it's not worth it...(at LEAST 100,000 in us...imagine canada