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Thread: Add 3 new tradelines to your credit reports

  1. #1
    cap1sucks is offline Senior Member
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    Add 3 new tradelines to your credit reports

    How would you like to add 3 new high quality tradelines to your credit reports instantly? That will boost your credit score by as much as 200 points! All you have to do is go to [.cchconsulting.com.] and pay Brandon L. Callier of El Paso, Texas aka E. Normis Debtor, Uncle Normie, WesternCapital-thetruth, Creditwrench-thetruth, Concerned Citizen, The Duke of Prunes, Lawdog and many more fake screen names the paltry sum of $1600 and he will quickly add 3 new tradelines to your credit reports. OR DOES HE? Well, not exactly. What he does is pay his pal Adam Wheeler of [.addatradeline.com] $1025 to do it for him.

    Now then, is that legal or is that a scam? Let us turn to the Wall Street Journal
    for our answer to that weighty question.
    http://www.washingtonpost.com/wp-dyn...040600956.html

    If that one isn't of sufficient authority for us then we can turn to many, many other informative articles by numerous journalists to get the same answer. Its a scam and it can land you in jail for providing false and misleading information to a lender. Brandon Callier aka E. Normis Debtor also has a few other nice scam packages you can buy from him at lesser prices.

    How do we know that E. Normis Debtor is actually Brandon Callier? We know that because he put up a blog back in January this year called angryconsumer
    in which he expressed great dismay that anyone would claim that his cch consulting firm is a ripoff. In that posting he claimed ownership of cch consulting and to other cybersquatting blogs he has put up over the last couple of years

    On his cch consulting web site he claims to have ssl security installed but that isn't really true either. He uses a 3rd party credit card processor named .securedata.com. because no real credit card processing company will have anything to do with any credit repair company due to all the problems that have arisen from that kind of business over the years. Of course, E. Normis Debtor aka Uncle Normie badmouths those whom he perceives as being competitors for using paypal instead of having SSL card processing in place.
    But he himself also uses them and advertises that he accepts paypal on his web pages.

    So, do you want to quickly squander $1600 to get 3 new tradelines and as much as a couple of hundred points jump in your credit score by being added as an authorized user on somebody else's credit cards and take a chance of spendng a few years of your life as a guest of the Federal Government for providing false and misleading information to credit card companies or other kinds of lenders?

    If so, go visit Brandon Collier, cch consulting aka E. Normis Debtor who claims to hate debt collectors on his web site and teach you how to sue them yet is a frequent poster on the forum at http://www.insidearm.com which is the web site of ACA, the American Collector's Association owned by Kaulkin Ginsberg. The debt collectors all love him over there.

    So how does his buddy, Adam Wheeler get the job done? He probably has somehow acquired what is known as METRO2 credit reporting software and the appropriate codes needed to make the software work. The codes needed to make it work were probably obtained by conning one of the debt collectors on insidearm.com that he had some legitimate use for the information and the ability to report debts to the credit bureaus. He may actually be a debt collector in another business identity. Who knows. Callier, aka E. Normis Debtor seems to have a great number of friends on insidearm forums. Many of them seem to know him well. And why not? It is often said that birds of a feather flock together.

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  3. #2
    apexcrsrv is offline Registered User
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    Okay, where is the illegality of this process?

  4. #3
    tothetop! is offline Member
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    Quote Originally Posted by apexcrsrv View Post
    Okay, where is the illegality of this process?
    Exactly, how is this falsifying information on your credit? Whats the difference between this and my girlfriend adding me onto her credit card?
    I don't, however, think it's a briliant idea on the credit card holder's part to add a ton of authorized users on his/her account.
    We as a society are GREAT at leaglizing identity theft!

  5. #4
    cap1sucks is offline Senior Member
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    Quote Originally Posted by apexcrsrv View Post
    Okay, where is the illegality of this process?
    The illegality is not in the process itself. The problems can arise if you use it to obtain new credit. You have provided false information to a lender in order to get a loan or a credit card you could not qualify for if they knew your true credit score.

    Wall Street Journal and lots of other newspapers and very reliable sources point that out. They are the ones who claim it is a scam although not yet illegal. They are the ones who talk about using it to obtain mortgages or other credit you could not otherwise qualify for.

    Another way it is illegal is because it violates CROA. They charge up front to fix your credit.

  6. #5
    apexcrsrv is offline Registered User
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    No one is providing "false" information insofar as the accounts report as an authorized user classification. It isn't illegal, unethical, or a scam. It works under the right circumstances and it is a valuable service for those who need it.

    These types of articles are just another ploy to keep peoples scores low so that higher rates can be employed. I have not seen any consumer oriented publications bash this method rather, only pro-business. Seems a little biased.

    Perhaps, someone should take up the matter with Fair Issac Corporation if they wish put an end to the so called loophole.

  7. #6
    cap1sucks is offline Senior Member
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    Quote Originally Posted by apexcrsrv View Post
    No one is providing "false" information insofar as the accounts report as an authorized user classification. It isn't illegal, unethical, or a scam. It works under the right circumstances and it is a valuable service for those who need it.

    These types of articles are just another ploy to keep peoples scores low so that higher rates can be charged. I have not seen any consumer oriented publications bash this method rather, only pro-business. Seems a little biased.

    Perhaps, someone should take up the matter with Fair Issac Corporation if they wish put an end to the so called loophole.
    Funny you say it isn't unethical when Adam Wheeler, owner of QRON Inc. and owner of addatradeline Inc. based in California says it might be unethical but that if people want to use his system in unethical ways that isn't good and he can't be held responible for how people use his methods of credit repair. Now that's double talk if I ever saw it.

    A ploy to keep people's scores low? Fico and the whole credit report system can easily be seen as nothing more than a ploy to rape consumers but that is basically what our whole system of capitalism can be seen as.

    Our whole political system is little more than a mechanism to keep it's citizens under as much control and financially rape them to the greatest extent possible.

    So arguments to the effect that all those journalistic reports claiming that this is nothing but a scam are simply a ploy to keep scores low so that lenders can screw the poorer people isn't going to fall on deaf ears.

  8. #7
    apexcrsrv is offline Registered User
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    I suppose since Mr. Wheeler feels the method is unethical that makes it so? Who cares what he says. Now, I agree that his statements are either very naive or simply mistruths but, that still doesn't mean that the process is in anyway unethical.

    I think the process operates under the current set of rules and it works for people when implemented properly. If it works for people in order to get a home that they want, I support it . . .

    I suppose my point is that you post first implicated that the process was illegal and that you could go to jail for it. Then it was a scam. Now, I don't know exactly which way you're going but, I think that these types of posts scare people off from something that could potential help them. That is why most people frequent these boards. I've seen the same thing occur on other boards wherein people are given false information or told everything is a scam.

    Not everything within credit repair is scandalous or a scam. Of course, people should do their due diligence before engaging in such services.

  9. #8
    cap1sucks is offline Senior Member
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    Quote Originally Posted by apexcrsrv View Post
    I suppose since Mr. Wheeler feels the method is unethical that makes it so? Who cares what he says. Now, I agree that his statements are either very naive or simply mistruths but, that still doesn't mean that the process is in anyway unethical.

    I think the process operates under the current set of rules and it works for people when implemented properly. If it works for people in order to get a home that they want, I support it . . .

    I suppose my point is that you post first implicated that the process was illegal and that you could go to jail for it. Then it was a scam. Now, I don't know exactly which way you're going but, I think that these types of posts scare people off from something that could potential help them. That is why most people frequent these boards. I've seen the same thing occur on other boards wherein people are given false information or told everything is a scam.

    Not everything within credit repair is scandalous or a scam. Of course, people should do their due diligence before engaging in such services.
    It is easy to see why you support this kind of activity since you sell it on your website too.

    I suppose one thing different from what you provide than what is sold by CCH Consulting for $1600 and performed by Adam Wheeler for $1025 is that you only charge $899 for the same thing.

    Other than that, what you sell for $899 seems to be the same as that sold for either $1600 or $1025 depending on who you buy it from. Another difference might be that you claim you don't charge for the service until after the deed is done so that makes the situation different too because they charge up front which is a violation of CROA.

    I see another difference too and that is that I don't see you running around badmouthing your competitors at every opportunity.

  10. #9
    apexcrsrv is offline Registered User
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    Yes, we do offer seasoned tradelines and by virtue of that fact, naturally, we support the proposition. However, we would do so even if we didn't sell any tradelines because it works. This is ecspecially true for those with thin files and the like.

    Now, some of the prices you quoted are outrageous. Our competition simply prices the service too high but, they can charge whatever they like. Our prices, $399.99 for accounts which are two years old and $899.99 for accounts which are ten years old, are the cheapest anywhere bar none. We do comply with the CROA as you mentioned while most do not and we are members of the Better Business Bureau.

    But back to the issue, why we support something or who we are is irrelevant to the subject. The truth is that this process isn't illegal nor do we feel it is unethical. Quite simply, that is all we wanted to express so that people are not overly fearful of something that could potentially help them in obtaining a home or improving their credit worthiness otherwise.

    Regarding our competition, we would not waste our time with commenting on them. We are sure some are very astute while some are not. We really lack sufficient knowledge to form an opinion.

  11. #10
    cap1sucks is offline Senior Member
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    Quote Originally Posted by apexcrsrv View Post
    Yes, we do offer seasoned tradelines and by virtue of that fact, naturally, we support the proposition. However, we would do so even if we didn't sell any tradelines because it works. This is ecspecially true for those with thin files and the like.
    It seems that there is no question about the effectiveness of the method. Even those who decry it admit to it's effectiveness.
    Now, some of the prices you quoted are outrageous. Our competition simply prices the service too high but, they can charge whatever they like. Our prices, $399.99 for accounts which are two years old and $899.99 for accounts which are ten years old, are the cheapest anywhere bar none. We do comply with the CROA as you mentioned while most do not and we are members of the Better Business Bureau.
    I fail to see why you are so defensive since your firm nor how it conducts business was questioned here. Only the methods and practices of a company known as CCH consulting of El Paso and another known as QRON Inc. and it's subsidiary addatradeline Inc of California were being discussed. As a matter of fact I had no idea that you or anyone else here even knew anything about this process until you jumped into this discussion.
    But back to the issue, why we support something or who we are is irrelevant to the subject. The truth is that this process isn't illegal nor do we feel it is unethical. Quite simply, that is all we wanted to express so that people are not overly fearful of something that could potentially help them in obtaining a home or improving their credit worthiness otherwise.
    Again, you were not a subject of my posting. How others might feel about the
    method is up to them. If people want to use the process then I'm sure they will be much better off with your company than they would be with your competition.
    Regarding our competition, we would not waste our time with commenting on them. We are sure some are very astute while some are not. We really lack sufficient knowledge to form an opinion.
    You are to be highly commended for your attitude. It is plain to see that you do not engage in the practice of belittling your competition through the use of twisted tales spewed on a great number of blogs, nor on your web site nor on any other forums I have seen you post on.

    As for me, I don't sell anything to anybody.

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