Please note that the representation of a tax ID Number as a social security number is not required to establish a new credit profile. To establish a new credit profile it simply requires a legal entity that seeks
to build a new credit profile and honest disclosure to creditors.

A legal entity can be a business set up as a Sole Proprietorship, Partnership, Corporation, Limited Liability Company or a Trust. All of these entities are allowed to develop credit just like an individual. However, their credit is considered business credit and must be represented and disclosed to the creditor as business credit.

The government uses social security numbers for taxpayer identification and taxpayer benefit distribution. The government uses Tax ID numbers for business entity taxpayer identification.

Credit bureaus use social security numbers for consumer credit file identification, however business credit is tracked by using the Dun's number for identification.

It is illegal to misrepresent your social security number to a creditor when applying for consumer credit, due to the fact that it is considered a misrepresentation of your identity. Establishing new credit profiles for consumers or business is not the problem and is always a legal act based on truthful disclosure. However the question of identity based on Truth and Lending Laws must be respected.

The options are simple: Only business has the flexibility to establish a new identity at will, an individual must use their current SSN or qualify for a new SSN. Sole proprietorships and partnerships are inexpensive and easy to set up, but not considered a legal firewall to separate personal responsibility.

Business credit is just as advantageous as personal consumer credit. Many find the business profile more flexible or desirable for designating and controlling liability or combining income. Others prefer the simplicity of maintaining the consumer file that they started with and consider SSN changes as permanent and long lasting.

For personal "Credit Score" perfection we recommend our "Credit Score" strategy program that will propel your FICA score into excellence in the shortest time possible. The program combines a broad base of knowledge, strategies, research and cutting edge techniques to manipulate and motivate the credit bureaus and your creditors to do the right thing. The "Credit Score" program uses your current SSN or you must qualify for a new SSN.

Often it is assumed that your personal guarantee using your SSN is required for business credit, that is not always true. In fact in the world of business credit that theory would defeat the purpose of business separation or incorporation.

The personal "Credit Score Program" is very effective and can be implemented solely or combined with the "Business Credit Profile" for maximum benefits.