Navigating the treacherous seas of the credit world can present itself as an ominous, even impossible task. Having bad credit is a debilitating, frustrating handicap that crushes dreams, hinders progress and limits possibilities. The financial weight of the resulting high interest rates, high monthly payments and endless rejection puts a strain on relationships often leading to divorce and depression.

Many methods exist for slowly improving one’s credit score over a long period of time but there’s only one reliable, quick way that people are freeing themselves from the shackles of bad credit and that is to create a new personal credit file within the credit bureau’s own system. This new file won’t have any of the previous credit information on it. And as you read on you’ll see exactly how to make sure that only your new credit file surfaces when someone is running a credit check on you. This sounds complicated but it’s very simple as you’ll see in the next part to this introduction.