Transcription
What's up, guys? This is the Network back with another video. And today, we're going to talk about something that most people aren't supposed to know. What if I told you you could get approved for real credit without ever typing in your social security number? No hard pull on your personal file, no history to explain, no collections to dodge, just clean approvals, a fresh identity, and access to high limit funding that feels out of reach right now.
Imagine creating a profile for yourself, that exists completely separate from your real credit. One that isn't weighed down by old mistakes, one that opens doors, your current file keeps locked. Most people think your credit is who you are, but in reality, it's just data. And data can be structured, restructured, and built from scratch. And that's what we're talking about today. How to build a new identity online step by step. Designed to get you approved for credit, without using your social, without fraud, without guessing, and without getting stuck in the same loops.
This is not a shortcut. This is not a magic fix. This is a strategy, structure, and systems done the right way. And if you follow this play exactly how we lay it out, you'll be looking at a brand new credit file with real approvals or results and no connection to the past. This video is for educational purposes only. But once you understand how this works, you'll never look at credit the same again. So instead of giving you theory or dropping little bite-sized pieces of information like most people do, we're going to walk you straight through the entire process. This is educational purposes only, but it's the exact step-by-step method people are using right now to build a secondary identity online and get credit approvals without using their social.
Let's start with the very first step. Step one, create your profile note. This is where everything gets tracked, organized, and saved. Do not skip this step. Open up your notes app or create a Google doc and write down the following. Your full name. This can be your middle name as the first name or a slight variation of your real name if you want some separation. Next, your date of birth. You can keep your real birthday or shift it by 1 to two years, but remember, keep it consistent across all platforms. Then, choose the state you want to build the file in. This will determine your zip code and the first three digits of the number you're going to use. Now, generate your new 9-digit number. This will look like a social security number, but it's not. You're going to use a prefix that matches the state. For example, if you choose California, your number should start with something between 545 and 573. Then add six random digits to complete it. Do not use your real SSN. Next, create a new email address. Use Yahoo or Outlook, not Gmail. You want something clean and professional. No numbers, no spammy looking names. Keep it simple. This email will be used for Credit Karma, Credit Sesame, applications, everything tied to the file. And lastly, you're going to choose a real address, which brings us to step two.
Step two, find a Zillow address. Go to zillow.com. Search for houses for sale in the same state you picked earlier. Filter the price between 300,000 and 600,000. Scroll through the listings. Pick a real house, one with a complete address, including unit or apartment number if possible. Copy that entire address and paste it into your profile note. This is the address that's going to show up in your credit file once it's active. Make sure it matches the zip code that belongs to your state's prefix. It all has to line up. Now, let's move to step three.
This is where we activate the profile. This step is called try merging and we're going to use three separate applications to submit the profile data to the credit bureaus. You're not trying to get approved. You're trying to get seen first. Go to the Capital One Venture X application. You'll find the link below. Use the info from your profile note. Input the full name, birthday, email, and the Zillow address. For phone number, you can use any random number. It doesn't have to be real at this stage. Select employed, occupation scientist, income over 95,000, monthly rent over 1300, bank accounts, checking and savings. Choose paperless. Skip the additional card holder and submit the application. Whether you're approved or denied, it doesn't matter. The purpose is to submit your file data to the bureaus. Next, go to the Barclay's credit card application link in the description. Repeat the exact same steps. Same profile note, same job info, same financials. Submit again. No approval needed. We're just merging. Third, go to drivetime.com and fill out the auto loan application. This one's important because it helps pull your file with different data points. Same thing, input your full profile info, Zillow address, email, birth date, 9-digit number, gross income over 95,000, cash down payment over 2500. For phone number, use any working number and hit submit. You might see a message that says trouble verifying your info. That's normal. Scroll down and click accept and see terms. This confirms your profile to their system. And now your file has been submitted to multiple lenders across the three bureaus. That's how try merging works. You're teaching the system that this identity exists.
Now step four, verify the profile is live. We do this using Credit Sesame. But before you sign up, you need a working phone number. Go to textverify.com, make an account, add funds, and purchase a Credit Sesame SMS number. This will cost around 50. Choose Credit Sesame under new SMS verification, and they'll give you a number to use. Go back to Credit Sesame and sign up using the same profile note. Enter the phone number from text verified when asked. Input the full name, birthday, email, and Zillow address. If Credit Sesame says, "We've located your credit file," you're almost done. Now, listen closely. You'll be asked to answer a few verification questions. Only answer the street name question correctly. That's the one tied to your Zillow address. Everything else, select none of the above. Click verify identity. If done right, you'll now see your credit score on screen. This confirms your profile was successfully merged. You now have a working credit file. If Credit Sesame says, "We could not locate your credit file," that means something was off. It could be the prefix, the address, or the number formatting. Don't try to force it. Just create a new profile. Use a new address, a new number, and a fresh email, and repeat the process. Keep doing it until you get the score. Once the score appears, you're now ready for trade lines, new additions, and the rest of the strategy. And we'll break that down in the next part of this video.