The first step in creating a new credit file is to understand exactly how the big credit bureaus keep track of credit files.One needs to know how they distinguish between two people with the same name or a similar address. This way it will make sense to you when you learn how credit file is set up and why it will be secure and only belong to one consumer. Credit bureaus track a credit file through various forms or identifying information which consumers provide the on credit applications. They then link this identifying information to their particular credit file. The point to remember is that the credit bureaus do not have a photo, finger prints or a retinal scan on record to connect a consumer to his or her credit file.

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