Complaint Review: Jeannie Kerns CPS and Credit Repair Affordable Financial Solutions - Florida

The typical "You don't know the full story" Entitlement attitude.

Show us where in that article does it say that you should pay some company to have them add them to your credit line. You won't because you can't and you know it.

If you have a friend or relative who is willing to allow you to be added as an authorized user, that is great and it can help you build credit. But that is not what you were doing. You instead were going to pay someone you don't know to have them add you to their credit.  Credit that you have ZERO access to. That at a minimum is unethical, and if you use it for your personal gain(i.e. new credit) you could be crossing over to fraud.

But I am sure you still don't believe me because "Experian" is telling you it is okay.  Perhaps you should read another article from Experian.

https://www.experian.com/blogs/ask-experian/are-buying-tradelines-legal/

Directly from that article

Buying tradelines may be viewed as deceptive by lenders and credit reporting agencies, and could even put you in danger of committing bank fraud.

If you pay money to improve your credit scores without doing any of the work or even getting a card to use, you could be falsely representing your creditworthiness to potential lenders.

 In addition, you put yourself in danger of identity theft anytime you give your personal information to strangers. Finally, buying tradelines will expose you to risk you could avoid by finding other ways to improve your credit.

Tell us again how you know more about credit than we do?

First of all, while some of you want to troll behind a keyboard and talk about a subject you have no clue about and make claims that just are not the case, understand that I'm not trying to trick or fool anyone!  I had an old negative that through this entire experience I was able to remove myself.  Second, as far as being on someone elses credit is not illegal at all!  When I googled "how to build a thin credit file" it took me to https://www.experian.com/blogs/ask-experian/how-can-you-fatten-up-your-thin-credit-file/

Yes, Experian... 2.  benefit from someone else's credit history...  I didn't have a family member or someone I trust as the blog suggest... so I googled again and it led me to the site I paid money to and obviously I know now why you should use someone you trust.  

So tuff guys behind a keyboard... grow up and shut up!

It's so typical that people with crap credit turn to credit-repair scammers instead of using that money to pay down their debt and restore their credit the old fashioned way (and the only way that works.)  You're trying to scam someone into giving you credit you haven't earned- and YOU'RE the victim?  What a joke. 

Before you call someone else a scammer, perhaps you should look at what you were trying to do.

What you were asking this person to do was put a FAKE line of credit on your report. You did this with the sole intention of making your report look better so you could obtain credit at better terms. In other words, this deception leads to your monetary gain.  This is the basis of Fraud.   If creditors discover this, they could instantly call back any line of credit they provided, and if you fail to pay them pursue criminal charges against you.

Regardless of what these people say, the tradelines are not real. That is unlike a real tradeline you have ZERO ability to use it and are not responsible for it. This is why many credit agencies have become very leery of posting this type of information, and likely why it isn't on your report.

These types of operations exist because people like you think that there are "shortcuts" to good credit. You didn't get in bad shape overnight, and you can't fix it overnight.  There is nothing a "Credit Repair" company can do that you can't do yourself for free or the cost of a few stamps. If these companies as for any money upfront they are likely in violation of the "Credit Repair Organizations Act" which explicitly forbids requiring any sort of Advance payment for services.