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Willing to pay someone if you have cc with good payment history

Discussion in 'Hire a Freelancer' started by theonestopshop, Oct 28, 2009.

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  1. Oct 28, 2009
    #1
    theonestopshop

    theonestopshop Newbie

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    Hi BHW, my husband and I just finished cleaning our credit and it is completely clean, we need to buy a car in the next couple of weeks so I need someone that has a credit card or two with either history or a high credit limit with a low balance that will be willing to let us piggyback on your account so we have enough credit to purchase our vehicle. So if this is you pm me and I will pay via paypal or credit card.


    Thank in advance.
     
  2. Oct 28, 2009
    #2
    freqout

    freqout Regular Member

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    There are services out there who will let you do this for 700 -900 per card. I dont think anyone is going to do it with you direct from here because it is a bit shady. If that doesnt work, try your family, they may be willing to put you on as an authorized user which is the same method the companies use.
     
  3. Oct 28, 2009
    #3
    theleadsource

    theleadsource BANNED BANNED

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    You do know that this is highly illegal, right?

    It is none of my business but you should know the ramifications if the process is discovered.
     
  4. Oct 28, 2009
    #4
    freqout

    freqout Regular Member

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    It isnt illegal in of itself, it may be fraudulent to present it as your true credit history if the account is not legitimately an authorized user. The illegal argument has come from fair issac and it has not been proven to be illegal, there isnt any case law on this, it is more of a gray and possibly unethical area.
     
  5. Oct 28, 2009
    #5
    theleadsource

    theleadsource BANNED BANNED

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    You were much more specific, thanks... it is the act of presenting the account as your credit history that is illegal and can be considered fraud.

    I was in the mortgage business and actually owned my own mortgage broker shop and this was a thing that the fraud shops would do to get their clients qualified when they otherwise should not have.
     
  6. Oct 28, 2009
    #6
    Choronzon

    Choronzon Power Member

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    Hang on, you have 6 posts only joined in September and you are asking for one of us to loan you our credit cards to buy a car, hmmmm, let me think on that one for a few months and I'll get back to you.
     
  7. Nov 3, 2009
    #7
    mr.breakit

    mr.breakit Junior Member

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    very good point
     
  8. Nov 4, 2009
    #8
    Celsius

    Celsius Registered Member

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    I'm here to update your knowledge base and guess what. It won't work, its called Piggy Backing FICO and that loop have been closed. Your 10 months too late, I clean up credit and this method has been run to into the ground. Its actually not illegal as FICO is not a federal program but the fair credit act is.

    PM me if your REALLY interested in pulling up your score.