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Once you've followed my plan you'll be eligible for 
signature loans,  credit cards,  home or auto financing,  or 
anything else.   A credit  investigation  at  this point 
will  list  you  as  an excellent credit  risk.  And why  
not?  Within  30  days  you'll  have  an  active checking 
account,  three  $100 savings accounts and three $100 loans 
on which you are  three months ahead on payments.  You'll 
also have 3  A-1  credit  ratings  on  your  credit  report. 
 And as  you continue reading you'll see that you'll also 
have a fourth A-1 credit rating from the bank that will 
issue you your visa and/or MasterCard. 
By making the first 3 payments you have unfrozen equal 
amounts of cash in your savings account.  You can now 
withdraw enough money from your  savings account to make 
your upcoming payments.  Continue In this manner until the 
loan Is paid off. You'll still retain most of your original 
$100 because  it continues to draw interest while used as 
collateral. This helps offset the interest charges you pay. 
Try  to  keep  a  little  money  in  each  savings  account  
for  future references. 
Credit Scoring System
AGE			POINTS
18-21			0
22-25			1
26-64			2
65-69			1

MARITAL STATUS
Married			1
Single			0
Separated		0
Widowed			0
Divorced			0	

DEPENDENTS
No Dependents		0
One to three		2
Over three		1

RESIDENCE
Rent Unfurnished		2
Rent Furnished		1
Own without Mortgage	4
Own with Mortgage	3
Live with Parents		1

PREVIOUS RESIDENCE
0 to 5 Years		0
6 Years and up		1




MONTHLY OBLIGATIONS
0 to $250			1
Over $250		0

CREDIT HISTORY
Loan at this Bank		4
Loan at Other Bank	3
Savings Account		2
Checking Account		2

OCCUPATION
Professional 		3
Skilled			2
Unskilled		1

YEARS WITH EMPLOYER
Under One		0
One to Three		1
Four to Seven		2
Eight or Over		3

MONTHLY INCOME
Under $600		1
$600 to $1,000		2
$1,000 to $1,250		3
$1,250 to $1,500		4
$1,500 to $2,000		5
$2,000 and Over		6

TELEPHONE
Listed in Applicants Name	2
Not Listed in App's Name	0

In most cases, 18 points is the minimum number of points 
acceptable if you are to receive an unsecured loan.  The 
factors most leading institutions weigh the heaviest are a 
good salary, a good paying record and minimal obligations. 
Some of  you can  institute  this  procedure with  $300  or  
$1000 or more. Remember that the more money you use the 
better your credit report will look to credit grantors. 
DO  NOT ATTEMPT THIS  BANK  LOAN  PROCEDURE  UNTIL YOU'VE 
GOTTEN YOUR NEW CREDIT REPORT.  THIS WAY THE STRONG CREDIT 
PROFILE YOU'RE BUILDING WON'T SHOW UP ON YOUR OLD CREDIT 
REPORT WITH ALL YOUR BAD CREDIT ON IT. 


Structure of Social Security Numbers 

A Social Security Number (SSN) consists of nine digits, 
commonly written as three fields separated by hyphens: 
AAA-GG-SSSS. The first three-digit field is called the "area 
number". The central, two-digit field is called the "group 
number". The final, four-digit field is called the "serial 
number".  
The process of assigning numbers has been changed at least 
twice. Until 1965, only half the group numbers were used. 
Before 1972, numbers were assigned by field offices; since 
1972, they have all been assigned by the central office. The 
order in which numbers were assigned was changed in the 1972 
transition. There may have been other changes, but it's 
difficult to get information on how things used to be done. 
 
Area Numbers
The area numbers are assigned to geographical locations. 
They were originally assigned the same way that zip codes 
were later assigned (in particular, area numbers increase 
from east to west across the continental US as do the ZIP 
codes). Most area numbers were assigned according to state 
(or territorial) boundaries, although the series 700-729 was 
assigned to railroad workers regardless of location (this 
series of area numbers was discontinued in 1964 and is no 
longer used for new SSNs). Area numbers assigned prior to 
1972 are an indication of the SSA office which originally 
issued the SSN. Since 1972 the area number in SSNs 
corresponds to the residence address given by the applicant 
on the application for the SSN.  
In many regions the original range of area number 
assignments was eventually exhausted as population grew. The 
original area number assignments have been augmented as 
required. All of the original assignments were less than 585 
(except for the 700-729 railroad worker series mentioned 
above). Area numbers of "000" have never been issued.  
  001-003 NH    400-407 KY    530     NV 
  004-007 ME    408-415 TN    531-539 WA
  008-009 VT    416-424 AL    540-544 OR
  010-034 MA    425-428 MS    545-573 CA
  035-039 RI    429-432 AR    574     AK
  040-049 CT    433-439 LA    575-576 HI
  050-134 NY    440-448 OK    577-579 DC
  135-158 NJ    449-467 TX    580     VI Virgin Islands
  159-211 PA    468-477 MN    581-584 PR Puerto Rico
  212-220 MD    478-485 IA    585     NM
  221-222 DE    486-500 MO    586     PI Pacific Islands*
  223-231 VA    501-502 ND    587-588 MS
  232-236 WV    503-504 SD    589-595 FL
  237-246 NC    505-508 NE    596-599 PR Puerto Rico
  247-251 SC    509-515 KS    600-601 AZ
  252-260 GA    516-517 MT    602-626 CA
  261-267 FL    518-519 ID    627-645 TX
  268-302 OH    520     WY    646-647 UT
  303-317 IN    521-524 CO    648-649 NM
  318-361 IL    525     NM    *Guam, American Samoa, 
  362-386 MI    526-527 AZ     Philippine Islands, 
  387-399 WI    528-529 UT     Northern Mariana Islands

  650-699 unassigned, for future use
  700-728 Railroad workers through 1963, then discontinued
  729-799 unassigned, for future use
  800-999 not valid SSNs.  Some sources have claimed that 
numbers above 900 were used when some state programs were 
converted to federal control, but current SSA documents 
claim no numbers above 799 have ever been used. 
Group Numbers
The group number is not related to geography but rather to 
the order in which SSNs are issued for a particular area. 
Before 1965, only half the group numbers were used: odd 
numbers were used below 10 and even numbers were used above 
9. In 1965 the system was changed so assignments continued 
with the low even numbers and the high odd numbers. So, 
group numbers for each area number are assigned in the 
following order:  
Odd numbers, 01 to 09

 

 

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