How can changing one's SSN or EIN tax number help credit matters?
This scheme has proven to be complex,
difficult, and illegal. Lying about any personal information on a
credit application is usually a criminal offense. Using these "file
segregation" schemes requires an enormous amount of coordination, not
to mention personal risk.
The short answer is this type of scheme does not help anyone, and may only serve to get you into serious legal trouble.
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