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New Credit History – Scam, Complaint, Review, or Praise?

Please share your experience with this debt relief company and provide your review and feedback, in the comments section below.

The goal of this page is to allow people to share information that may be important to help others to make a more informed decision regarding their experience with this debt relief company. Here are some potential questions you might be able to provide feedback about.

  • How did you feel about the customer service experience you received?
  • Was the company easy to communicate with before or after you became a client?
  • Did the company respond to your communications promptly?
  • What were the fees charged for the services you received?
  • Did the company give you the terms and conditions for the program you were interested in before you gave them any personal information?
  • Was the program successful for you and accomplish the goals you had when you entered the program?
  • Did you have a really good experience you can share?
  • Did you have a bad experience you want to share?
  • Is there any other information you’d like people to know that might be considering the services of this company?

It is important to understand when reading comments below that they are the opinions of the individual posters and may not be representative of the overall impression of all consumers that may have or have not used the debt relief services of this company. But everyone does deserve to have an opportunity to express their opinion, even the debt relief company itself, be it good, bad, or indifferent.

New Credit History   Scam, Complaint, Review, or Praise?
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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Ben newcredithistory

    -Ben
    Terry if you became a Auto Dealer tomorrow and requested my social, why in the world would you think you are important enough for me to have to turn over my government identity to you.
    You are not Government, Federal ,Tax or IRS related. If I were a Celebrity, Athlete, Musician or foreigner from another country how would you get me that car?.
    I don’t have a social because I’m not a US citizen. But yet I would have a Car, Bank account and Credit Cards. So you are saying as a citizen I have to turn my social over to whoever ask for it?
    So we are penalized by everyone for having this 9 digit number (SSN)
    Please do your research
    All these links are government links.YES you have to use your social for those things. Not banks, Credit Cards, and Bobs Jewelry store!!

    • http://GetOutOfDebt.org/ Steve Rhode

      As I’ve reported before, if you provide a number other than your true social security number when asked for it in the application of credit, you are committing credit fraud. If you disagree, give me a link to a government website that provides different advice.

      • SAP

        So you are asking for the people who don’t agree with you to prove a negative. Maybe you need to do some research yourself. Using an SCN is NOT file segregation as per the law. You need to provide the statute that says explicitly that using a SCN is illegal, not you finding things illegal because you think its so. You seem to be shilling for the credit card, debt establishment. So in your world, people should work themselves to death paying off debt, lent at usurious rates, then just sit back and wait 7 years for the beneficent credit bureaus to remove negative credit entries. Sounds like a plan…hmmmm. I do not feel one iota of sympathy for Capital One or Bank of America, straight up proven criminals. If people can squeeze between the law and go around their rigged system, good for them.

  • Daisy

    OK as I see it only works for 1 out of 3 people the the other 2 get scammed once they got your money gram they wont call you back and all you ever get is voice mail no return e-mails and a few phoney emails that claim how there trying so hard to contact you and when you email back its no good.I cant believe I fell for such BS Thanks “BEN”

  • Terry Lee

    Ask yourself this…if it were legal, why do you have to provide an address that you have never been associated with?

  • Terry Lee

    I am an attorney and I will tell you now that creating a separate credit profile and then going and applying for credit is a felony.

    These companies tell you that the Social Security Privacy Act of 1974 allow this. It is inapplicable and what they cite to was never enumerated by Congress.

    In short, they’re lying to you in order to get your money. They’re good CSO’s and bad ones.

    Don’t do it.

  • newcredithistory

    Clients need to realize this is not an overnight process, it takes time to build the file.
    You can use this number for any and everything as long as it’s not Government, Federal, Tax or IRS related.
    You will be able to get Credit cards, Bank accounts, Personal and Auto loans,Renting apartments, furniture, cell phones etc..(credit purposes only)
    You will be between a 700-720 in a 30 day period, but you still need to fit the guidelines for that creditor or lender
    1. Credit History (How many months)
    2. Credit Lines (How many lines Auto lines, credit card line, personal loan line)
    This same system has worked now for 8 years, you can’t get the number today and turn around tomorrow and apply for everthing you want. YOU WILL BE DENIED.
    If you follow our rules we will change your life.
    If you don’t, you will be posting negative things about our company aslo.

    • http://GetOutOfDebt.org Steve Rhode

      Please give me the link to any statement by the FTC, OFF or Federal Reserve that says you can use an alternative number in place of your actual social security number.

      As I’ve shown all I can find are warnings and statements it is illegal.

  • Nina

    I stumbled across this page when I was researching New Credit History I had already paid for my SCN so it was to late to turn back, well Im glad it was. I payed forthe SCN on Thursday got my number on Friday. Received an email about not applying for anything from Lacy until Ben has touched basis with me. Instructed to call Ben so we could go over some rules, applied for capiltal one got instant approval for 500 cl. This was all done in less then a week. So the moral of the story is, if you wait for Ben to guide you through the process, be patient and dont do anything until you are told to regarding your SCN you will have the same great results I am having. And yes I would recommend this company and guess what I am not a paid spokes person, affiliate nor do I work for the company.

    • http://GetOutOfDebt.org Steve Rhode

      When they told you it was illegal for you to apply for credit using a new credit identity number in place of your social security number.

      “If you have filed for bankruptcy, you may be the target of a credit repair scheme called “file segregation.” In this scheme, you are promised a chance to hide unfavorable credit information by establishing a new credit identity. That may sound perfect, especially if you’re afraid that you won’t get any credit as long as bankruptcy appears on your credit record.

      The problem: “File segregation” is illegal. If you use it, you could face fines or even a prison sentence.

      To convince you to establish a new credit identity, the credit repair service is likely to make a variety of false claims. Listen carefully; these false claims, along with the pitch for getting a new credit identity, should alert you to the possibility of fraud. You’ll probably hear:

      Claim 1: You will not be able to get credit for 10 years (the period of time bankruptcy information may stay on your credit record).

      Each creditor has its own criteria for granting credit. While one may reject your application because of a bankruptcy, another may grant you credit shortly after you filed for bankruptcy or successfully completed a bankruptcy repayment plan. And, given a new reliable payment record, your chances of getting credit will probably increase as time passes.

      Claim 2:The company or “file segregation” program is affiliated with the federal government.

      The federal government does not support or work with companies that offer such programs.

      Claim 2: The “file segregation” program is legal

      It is a federal crime to make any false statements on a loan or credit application. The credit repair company may advise you to do just that. It is a federal crime to misrepresent your Social Security number. It also is a federal crime to obtain an EIN from the IRS under false pretenses. Further, you could be charged with mail or wire fraud if you use the mail or the telephone to apply for credit and provide false information. Worse yet, file segregation likely would constitute civil fraud under many state laws.” – http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre23.shtm

      If you feel you have nothing to worry about using a SCN, please post the number below and I’ll be happy to run it by Capital One and make sure they don’t have a problem with it.

      • Nina

        NIve never filed for bankruptcy, I was a victim of Identity theft while station in Germany. And having a SCN is 100% legal do your research. I would never provide my social nor my SCN number to anyone. After years of credit repair and getting police reports my credit is fine I have chosen to use a SCN for my own personal reasons but its definitely not to hide any debt that I owe because I owe no one.

      • http://GetOutOfDebt.org Steve Rhode

        In fact Nina I did do my research and linked to the FTC page that says to use it in place of a social security number is illegal. If you feel I was in error, please provide a link to a page on a regulatory site, like the FTC or CFPB that says it is legal.

        BTW, I checked with Capital One about your statement of applying for a card using an SCN. There response was, “Advertisements suggesting consumers may use [identification numbers in place of] SSNs for account opening purposes at a bank is a scam and doing so is illegal.”

  • credit helper

    I have been working with newcredithistory for about 8 months now just moved into a new apartment and have a capital one and discover card with my number. I have to say starting off i was a little to anxious and had to realize this is not an overnight process but Lacy and Ben walked me through the full set up and now I am an affiliate and walking testimonial for the company. I see the reviews of some of the clients who didn’t follow instructions and now
    want to blame the world for their failure. These are the same client that go through life thinking people owe them something.

    • http://GetOutOfDebt.org Steve Rhode

      What was on your credit report that you needed outside help to fix and how much were you charged?

  • scn logic

    “John smith” I’ve been with the company now for 3 months. I now have a $500 credit card, Macy’s, $2,500 Discove and a 2010 Lexus. I now resell the service as an affiliate.
    John so let’s be honest how many things did you randomly apply for with out company guidance built up denials and inquiries and now wonder why you can’t get approved. Stop being LAZY and research before you apply for credit blind. The job of the company is to give you a second chance at credit and build a foundation. NOT to map out or plan your life. Clients need a second chance for many reasons. This number is not just made so “John” can open a bank account.

    • cr8tive

      what about your driver license number…did you have to change the address of your driver license to the same as your scn address so that it wouldn’t be tied to the old social?

  • john smith

    I have been with this company for over 6 months and I have been able to get two credit cards, one with a limit of three hundred and the second credit card with a hundred. They have tried to open a bank account for me, with no luck, and had me apply for a third credit card….no luck!! Since the two major failures in their process ,they have stopped communicating with me. They have stopped responding to emails and phone calls. So, here I sit with two worthless cards, no bank account and not even half of what they said they would do if I use there service. This new SCN# is worthless if you don’t have #1-Identification with your new address, #2-Bank account. The last thing they told me was “Banks have changed there security measures and they don’t know how to proceed”
    Thanks Guys!! How about a refund?
    What’s that? Did you say something …oh, that’s right I forgot you answer your phone or call back.
    Save your money!!! Stay away from this scam!!

    If you have been scamed by this company report them to BBB. That’s where I am going next.

  • Satisfied

    I’ve dealt with a good company http://www.debtfree answer.com I got my SCN no complaints.

    • http://GetOutOfDebt.org Steve Rhode

      Did they tell you it is illegal to use the number to apply for credit?

    • concerned client

      Newcredithistory has been in business since 2005
      But that company has only been around for a few months debtfreeanswer.com I don’t trust new start up companies trying to jump on the wagon.

      • Ladyk

        I have used debtfreeanswer,com and the company is just as good as the other one. they all do the same work, so no need to knock a company because you used a different one.

      • Looking for a company

        Really!!!(Satisfied and Ladyk) are the same person that work at Debtfree.com.
        Why would you come to another site that has nothing to do with your company  to promote your new start up company.
        I was actually thinking about working with you unitl I saw these stupid plugs for your company.
        I’m sure more post to follow after this response.

      • Sick of the games

        I was searching for a company, now I see LadyK and satisfied work for debtfreeanswer.com
        Why would you come to another site that has nothing to do with your company to advertise **cheap**
        I was thinking about working with your company, but concerned is right you are new to secondary credit numbers or scn numbers
        Of course they’re no complaints you don’t have enough clients. I don’t know anything about this company but 7 years is a long time.

  • Shamlin31

    Can someone tell me how this work any why do u have to give your social security number..is it a scam or what?

    • 1974 privacy act

      The reason you have to give your social is to verify you are a US citizen…how can you protect your social if you don’t have a social…if they didn’t verify, you could be here ilegally using this number.

  • Bjf1212

    does it look like a ssn?

  • Bjf1212

    does it look like a ssn?

  • Yesit’sLegal

    Bottom Line (SCN) Secondary credit numbers, are 100% Legal. Creditors post these blogs and sites saying it’s illegal because they want to JUDGE you for the rest of your Life based on Past Hiccups. They feel they are above everyone. well SH*T happens. This new number gives you a chance to start over. You can commit fraud with your own social. Goes back to guns don’t kill people, people kill people. No one has ever gone to jail. PERIOD!

    • Shamlin31

      Why do you have to give your social number?

  • LovemyLife

    Newcredithistory.net I’ve been working with Katlyn for 2 weeks now
    Yaaa, I just got my credit card activated. Housemom I agree, they probably tried to get this number and apply for some huge loan or they merged both numbers together and needed someone to point the finger at.
    I researched the company for months and called almost everyday asking questions. I saw this post before purchasing the scn number, What helped me make my decision this company has been in business for 7 years

    • http://GetOutOfDebt.org Steve Rhode

      Did they sell you a number to use in place of your social security number when applying for credit?

      • LovemyLife

        No, I got a number to protect my social because it happened before (Identity theft), I work in the finance field and i have clients wire funds into my bank account, at that time I didn’t know someone could make payments to their own personal bills just by having someones acct and routing number..took my name and opened a apartment 200 miles away so I got the number to set up a personal account. I use and a credit card for personal use ..not connecting to my social..**social security number is only to pay taxes to the government** Privacy Act of 1974

      • LovemyLife

        No, I got a number to protect my social because it happened before (Identity theft), I work in the finance field and i have clients wire funds into my bank account, at that time I didn’t know someone could make payments to their own personal bills just by having someones acct and routing number..took my name and opened a apartment 200 miles away so I got the number to set up a personal account. I use and a credit card for personal use ..not connecting to my social..**social security number is only to pay taxes to the government** Privacy Act of 1974

      • http://GetOutOfDebt.org Steve Rhode

        What about the issue it’s illegal to use an alternative number? See this article http://getoutofdebt.org/18276/cpn-credit-profile-number-credit-privacy-number-craigslist-scam-to-watch-out-for

      • CREDITGURU

         Steve, you are referring to a cpn, they come from dead people or
        recycled socials SCN are not CPN,EIN,or TIN number. That video is
        something different!..basically that’s saying all cars are the same car..Steve it’s not illegal to use another number your intent is what is illegal.(Creditor and Lenders are not Government)
        Privacy Act 1974
        “It shall be unlawful for any
        Federal, State or local government agency to deny to any individual any
        right, benefit, or privilege provided by law because of such
        individual’s refusal to disclose his social security account number.” 
        Sec. 7(a)(1).
        Privacy Act’s “inherently inconsistent” treatment of “agencies” as only federal agencies in subsection (a)(1) and as including “Federal, State, or local government”

      • Shamlin31

        Do you really get your nmber back in 24 hours… how soon did you have credit ….And who did you talk to when you did the scn please give me info

    • Shamlin31

      Where did you begin to search because i see good and bad reviews for this company

  • housemom

    I just started working with them 3 months ago , I understand there are allot of rules but I have followed them and it has worked out so far. I have a 700+ credit score 2 credit cards and a car now. You just need to make sure you keep your files from crossing. I guess if you guys had followed the rules you wouldn’t be posting these things about a person/company that’s just trying to help you with your credit

    • Lawgrr2010

      Would you honestly say this works? Can you give me some insight please?

  • RVR

    I’ve had nothing but good luck with Walker. I’m back on track financially and he did what he said he would do. In fact, I’m going to make further use of his services soon. He has personally spoken on the phone with me more than several times, making sure I’m satisfied.

  • RVR

    I’ve had nothing but good luck with Walker. I’m back on track financially and he did what he said he would do. In fact, I’m going to make further use of his services soon. He has personally spoken on the phone with me more than several times, making sure I’m satisfied.

  • NATGOLFER

    walker bland is an outright crook and a liar. i have never in my life dealt with a person so full of crap. new credit history is a SCAM . they do nothing they say they will. he will only deal with you by text message. as far as getting your money back it is nothing but empty promises. DO NOT UNDER ANY CIRCUMSTANCES DO BUSINESS WITH THESE PEOPLE. THEY NEED TO BE RUN OUT OF BUSINESS AS SOON AS POSSIBLE BEFORE THEY SCREW OTHER PEOPLE WHO THINK THEY ARE GETTING HELPED’ I AM GOING TO POST THIS ON EVERY SCAM WEBSITE THERE IS,

  • NATGOLFER

    walker bland is an outright crook and a liar. i have never in my life dealt with a person so full of crap. new credit history is a SCAM . they do nothing they say they will. he will only deal with you by text message. as far as getting your money back it is nothing but empty promises. DO NOT UNDER ANY CIRCUMSTANCES DO BUSINESS WITH THESE PEOPLE. THEY NEED TO BE RUN OUT OF BUSINESS AS SOON AS POSSIBLE BEFORE THEY SCREW OTHER PEOPLE WHO THINK THEY ARE GETTING HELPED’ I AM GOING TO POST THIS ON EVERY SCAM WEBSITE THERE IS,

  • http://newcredithistory.net james black

    This guy Walker Bland and his company Newcredithistory.net are not good peopleto deal with .Walker makes promisses that he will not keep and you”ll never get your funds back.Take it from me and keep your money in your pocket!

    • HUA

      I have been with services of newcredithistory.net for about 2 years now (REP is CARL). You paid $299 like everyone else to get started with a nonsecure credit card and a credit score of 700+ in 30 days. What promises did they make you? You can buy a Mansion or a Boat?.Better yet when you got your social security number from the administration what promises did they make you? They’re designed to give you a fresh start, not to have you live your life by this number.

      Steven Rhode- I understand what you are saying about illegal, but it’s the person that has the number and what they plan to do with it.
      Does a person deserve a fresh start when they go overseas for a 1 year tour to fight for their country, come back and their wife has maxed out their credit cards withdrew 30K from their savings account has their husband car reposesed due to nonpayment , and takes off with another man leaving him with a 520 credit score.
      That’s why I had to do I had no choice.Every creditor, lendor ,bank and auto dealer denied me credit ( I told my story almost 15 times) computers that gives the decisions don’t have feelings it’s yes or no. If I didn’t find out about this Secondary credit Number. Things were that bad, you wouldn’t be reading this!!

    • HUA

      I have been with services of newcredithistory.net for about 2 years now (REP is CARL). You paid $299 like everyone else to get started with a nonsecure credit card and a credit score of 700+ in 30 days. What promises did they make you? You can buy a Mansion or a Boat?.Better yet when you got your social security number from the administration what promises did they make you? They’re designed to give you a fresh start, not to have you live your life by this number.

      Steven Rhode- I understand what you are saying about illegal, but it’s the person that has the number and what they plan to do with it.
      Does a person deserve a fresh start when they go overseas for a 1 year tour to fight for their country, come back and their wife has maxed out their credit cards withdrew 30K from their savings account has their husband car reposesed due to nonpayment , and takes off with another man leaving him with a 520 credit score.
      That’s why I had to do I had no choice.Every creditor, lendor ,bank and auto dealer denied me credit ( I told my story almost 15 times) computers that gives the decisions don’t have feelings it’s yes or no. If I didn’t find out about this Secondary credit Number. Things were that bad, you wouldn’t be reading this!!

      • Seanak83

        WoW……….that’s really messed up what your ex- wife did. Hopefully you was smart enough to file for divorce. So are you saying you had no problems with the company? Thanks for sharing

    • Fer300xx

       What promises did they make you?

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