Report: #143787

Complaint Review: Credit Bureaus Experian TransUnion Equifax

  • Submitted: Tue, May 24, 2005
  • Updated: Fri, March 07, 2008
  • Reported By: Miami Florida
  • Credit Bureaus Experian TransUnion Equifax
    1234 Drive St
    Allen, Texas

Show customers why they should trust your business over your competitors...

I posted a few months ago about fake loans my brother Marty added to my credit files. The people who claim to have hacker codes can't do anything but talk. The only way to get this done is to have a family member or friend in the lending industry.

My brother added a few accounts which has enabled me to get a mortgage at 5.75%! I was going to qualify at just over 7%. I also got a carloan at 6%.

Ya think this is dishonest? It is saving me money. I don't intend to default on the loans. I only intended to get a lower interest rate. Thus enabling myself to live better. My kids college education is more important than giving a lender an "honest" look at my credit and bowing down to the credit bureaus. Just my two cents.

Miami, Florida
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This report was posted on Ripoff Report on 05/24/2005 02:12 AM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment

Jason i need your help

AUTHOR: Brandon - (U.S.A.)

Jason if you are still in the area , can you help a fellow person in the credit struggle with the same technique you used?
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#2 Consumer Comment


AUTHOR: Brandon - (U.S.A.)

Hey Dave you think your brother can helps someone else in need of that service?
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#3 Consumer Suggestion

If you don't have family members adding fake tradelines...

AUTHOR: Jason - (U.S.A.)

You can purchase them here for a price.

I can't verify the legitimacy of the website, so do it at your own risk.

If you don't have family members, couldn't use credit reporting software, this would be the next best thing. It's not illegal because your not hacking, nor are you having family members in the lending industry add fake tradelines to your reports. You are using your OWN money to add tradelines and season your report. The benefits of a longer, more solid, higher dollar tradeline could outweigh the initial cost, in the form of reduced interest and easier loan approvals.

To quell this AAFES character, I will say only do it if you are bent on paying back and can afford a loan, but want reduced interest. He, like everyone else says all this is immoral because people get loans they wouldn't qualify for, and can't afford. What he fails to realize, even after explaining it over and over again, is the reason I did it was for reduced interest. I didn't get a single loan I couldn't afford. I am paying every loan, paid off smaller installment loans, all early, with double or triple payments each month. Does that sound like I got more credit than I could afford? No, it sounds like I gave myself a chance to qualify for loans I should have gotten in the first place.

Never being late, I was able to qualify for very low interest rates, and saved myself tons of money. This enables me to live easier. I needed a push start, and that push start enabled my credit to take off on it's own, now I am not left in the dark with a thin credit file. AAFES fails to realize this. He needs to grow up.

I have since ditched the laptop I was using to add fake tradelines on my report. I no longer frequent the public library I was using for this activity. The local Dial-up ISP got complete false name and billing information on me. I closed my account with them.

If AAFES or anyone else can produce links to indictments of people who got prosecuted for adding fake tradelines to peoples credit reports, or family members in the lending industry adding fake tradelines to other family members credit reports, or paying others to delete erroneous negative information from the credit bureaus, then I will say this is all illegal. Until then, shut up. Learn to live with the fact that some people don't want to be tied down to the credit system. There are flaws, they are exposed, Many will take advantage. If someone benefits with reduced interest, then it is a worthwhile cause.

I do not advocate the use of these methods to get credit, then run with the money. This is designed for those of us who want better interest and credit opportunities, and can afford the loans we wish to get, but can only qualify for sub-prime interest rates.

Good luck to anyone who might attempt it.

Dave from miami, I got your last few emails. Could you contact me at the phone number I gave you. I want to discuss the tradeline your brother did on mine. Thanks.

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
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#4 Consumer Suggestion

Let me try it again

AUTHOR: Jason - (U.S.A.)

I will explain it once again. I was NEVER late on any payments. I've never had the pleasure of dealing with a collection agency. As long as I was paying bills from my late teens to now, I WAS NEVER late.

The only problem is most of these bills aren't reported to the credit bureaus. I am stuck with a few high interest personal loans paid off, a secured credit card which I was on time with for 3 years. I needed an auto and got turned down by both GMAC and Ford Motor credit for "my credit report or reports reflect newer accounts, lack of revolving credit experience, not enough payment history established.

Nothing was negative except having a thin credit file. I was 'approved' for a 21% auto loan with a "no credit needed" second rate car dealership. Do you know what kind of vehicles they had? The lowest mileage vehicle they had was 70,000 miles. Many were over 100,000 miles. Many cars were overpriced by 2 or 3 grand ( appraised the dealer retail of these vehicles a couple grand lower than this dealership was selling them for, exact mileage and condition was appraised; they were selling a 'fair' condition vehicle with a good or excellent condition price tag).

Do you really think I wanted to sit here and accept that 21% loan, and not build credit in the process?? I declined and walked out. It took me 8 months of conspiring, finding this method out, actually applying the method, getting rides from friends or driving my battered vehicle which was not good on gas mileage, to get what I needed.

So your telling me I should've taken what I 'qualified' for? My qualifications don't mean s**t for a 21% loan. If my utilities, rent, phone, and other payments were reported, I would have had good to excellent credit. My true payment history wasn't fairly factored into these decisions. The credit reports branded me as a new credit risk.

As a matter of survival, I HAD to adjust my credit profiles to reflect my true payment habits. Several large paid off loans in the span of 2 months of waiting to pop on my reports, a long credit card account with a large limit, and viola! My scores went through the roof.

I was able to get the laptop I needed for school through Dells "preferred" financing option. The brand new auto I got (2005 model) is half paid off. I always make double payments each month, sometimes 3 a month if I can afford it. I plan on paying it off by Christmas. Other forms of credit, including much needed furniture at a reputable furniture store have been paid off as of last month. Plus these accounts report paid off.

If it made me become a thief to get a decent auto and other forms of credit to make my life easier, then so be it. You also say I buy more than I can afford. Did you happen to miss the part where I make double or triple monthly payments, paid off my Dell account post haste, and paid my furniture off in half the time? Where does that make me over extended.

Your just upset because you had to actually get s**+tty credit before you got decent credit. I'm sure you are also a punctual and on time payer. Kudos goes to you, but give me credit. Never being late on bills (even when they weren't reported to the credit bureaus) is very good.

So I don't think I am stealing. These corporations are in the business of making money. Had they racked my balls with double digit interest rates, ya think that would've made any difference to them? Would they be concerned about my ability to put food on the table or make a living? Heck no! It's just business, they have to survive as a corporation...right?!

So why should I be concerned about short changing them, about what amounts to pocket change in their accounting books (few thousand dollars)? It's just business. I have to survive as an individual who makes millions or billions less than they do...right?!

Don't cry over spilled milk (about what this amounts to). It's just me overcoming what is known as an injustice in the credit industry, overseen by most, as a royal screwjob for youngsters who are hardworking, punctual about bills, and just need a break to start out in life. As I said, my future children are more important to me than being honest and letting a large corporation bleed me dry. Like I said, a few thousand to them is pocket change.

One last thing. Taking a collection agency or the credit bureaus to court takes TIME and MONEY. If someone has 60 days or less to close on a house, they don't have time to play games with fraudulent accounts. Most aren't rectified by then. Most take at least a few months to take care of. What ever happened to the credit bureaus simply hitting the delete key when a consumer provides a police report outlining the fraudulent account? Oh, I'm sorry, the credit bureaus don't work with us. They work against us, stalling to keep whatever negative info against us on our reports as long as possible.

So get over it. I am a thief, does that make me loose sleep overnight? If your wondering, I am typing this in a distant towns public library . My real name and location are not real.

My only regreat is the credit bureaus haven't been exposed yet. For the inconsistencies of their information. They are obviously providing false and misleading information. How about some lawsuits or major multi-million dollar fines to inflict crippling financial damage to them? Since we're "hanging" me for commiting an act merely done for an easier life and being given credit for my TRUE payment habits. Rather than letting myself get screwed for being 'higher risk of default.' Even though I've never defaulted in my life.
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#5 Consumer Comment

Jason just another thief

AUTHOR: Aafes - (U.S.A.)

Apparently you are just another thief. You lie to obtain loans/financial benefits you would not otherwise qualify for. If you had paid your debts in a timely, consistent manner and not used credit as a "give it to me now, I can't afford it" tool you would have had high credit scores to begin with. With those scores you could have obtained loans at reasonable rates.

Just because a company has strict criteria in lending to protect its investors and assets does not make it criminal. Credit reporting agencies are simply doing their job and they report what is provided by the creditor. If there are incorrect entries the procedure in place works well to have these corrected. If not the court system is not that expensive and almost all of the legal proceedings can be done pro se. In most cases the reporting agencies and creditors will settle out of court to avoid paying their attornies for court time. This is successful in many cases, EVEN THOUGH the majority of those filing lawsuits are hiding behind loopholes in the law to avoid paying just debts and having their credit file reported honestly. It is simply easier and cheaper to delete and entry and send a check to these liars than to spend time in court and pay attorney fees.

As for your ignorance an excerpt from the Federal Statute on wire fraud reads:

"knowingly executes, or attempts to execute, a scheme or artifice to defraud a financial institution, by means of false or fraudulent pretenses, representations, or promises."

No where does it say "take the money and run". If you lie to obtain financing at more favorable rates than the lender would otherwise provide them you are committing fraud.

For the "wife" who manipulated the credit score by providing false information the crime is apparent and easily proven if discovered. At the very least she should be fired and never placed in a position of trust in banking again.

Of course, what other response would I expect from another thief other than the one you posted.
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#6 Consumer Suggestion


AUTHOR: Jason - (U.S.A.)

Aafes (on-base seller of misc items, usually located right next to the commissary), are you out of your mind? Fraud is the act to intentionally defraud someone out of property or money. The federal statue does include mail or wire communications.

There is no fraud going on here. Fraud would be purposefully boosting a credit score to obtain a large loan, then run with the money. Fraud is the intention to STEAL. This is not stealing.

Do you realize, the past year has been wonderful for me? I've paid back Dell every penny, I've paid half of my 60 month auto loan (30 months in 1 year!!!), I have not been late on any payments. Have I defrauded anyone? No I haven't. You need to get your facts straight. If I had taken everything and ran, that would be fraud.

I agreed last year that it was a federal crime to hack. Yes, that is true. But the hacking hurt no one. Has anyone died or gotten injured as a result? No. Numbers and scores changed, no one has given even 1 pennys worth attention to any indescrepencies.

You gotta do what you can to survive. If it means artificial accounts placed on a credit report to get "excellent" credit interest rates, then so be it. My FICOS are near 800 right now. Before, they were a few hundred points lower. Do you think I loose sleep over the fact I saved myself from paying 19% for an autoloan, and only pay a few percent?? Duh dee durr.

How am I defrauding creditors? Huh? Oh, I cost them an extra few thousand dollars on each loan. Oh boo h*o. That's more money for me to pay the bills, put food on the table, oh god. I've commited an atrocity! I've swindled money from these creditors who profit millions and billions a year, just so I can save myself thousands of dollars to put more food on the table and more money into my retirement funds! Oh my god! The world is gonna end! I think those thousands will definitely hurt these multi billion dollar creditors!

If you only knew how hard it was to raise a family and pay on a house and car payment, all while enjoying sub-prime credit (NOT because of any collections or late payments, BUT LACK OF CREDIT). Why should I bow down for the credit process and accept the lack of credit stamp? I am more than able to pay the bills. I have never been willingly late on bills. My credit doesn't show utilities or rent. It only shows a little bit. So it is only fair I spiced up my credit report to fairly reflect my TRUE payment habits. Even if they are fake accounts. It still reflects my payment behavior. So quit getting upset because someone found a way to survive easier and screw over the creditors of their beloved interest finance charges. I am sure the creditors will get over it.

For the person who had their wife add fake loans, good for you. Going through the courts would've been costly, time consuming, and you still would've lost. Why bow down to the credit bureaus (they can simply hit delete on an account, but refuse to) when you can screw them and creditors who wont believe you over. Identity theft is taken too lightly, and the credit bureaus dont understand the concept of simply hitting the delete button on an account when requested. It is our files, not theirs. So where do they get off on keeping these fraudulent accounts on our reports when we ask them to remove the account.

I hope bad things happen to the credit bureaus. I hope VERY bad and possibly traumatic events happen to the credit bureaus. Multi-billion dollar FOR profit organizations only care about money, and not the consumers. Otherwise, they wouldn't make it so hard for the consumer to get accounts deleted.
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#7 Consumer Comment

Proud to be criminals

AUTHOR: Aafes - (U.S.A.)

Amazing. I never stop being amazed by those who are proud to commit crimes.

Criminal definition of fraud:

Fraud is intentionally lying in order to induce someone into relying upon the lie to part with something of value. Like embezzlement, fraud can be either complex or simple. The federal government has three general anti-fraud statutes for mail fraud, bank fraud, and wire fraud. Mail fraud has two elements: (1) a scheme devised or intending to defraud or for obtaining property or money by fraudulent means, and (2) using the mails in furtherance of that fraudulent scheme.

The federal wire fraud statute is similar to the mail fraud statute, but requires an interstate or foreign transmittal of a communication by wire, radio, or television. The federal bank fraud statute criminalizes the conduct of any party who "knowingly executes, or attempts to execute, a scheme or artifice to defraud a financial institution, by means of false or fraudulent pretenses, representations, or promises."

I hope your brother, and for the second poster your wife is caught. At the very least they will be fired, and if there is any justice prosecuted.

You could have solved these problems legally, in the courts if you indeed had proof that your identity was stolen and accounts opened in your name without your permission.

Additionally, you have no protection from being discovered and prosecuted. If you think you have anonymity on the internet you are sadly mistaken. Many, many criminals from cyberstalkers to molestors have believed the same and now are enjoying their time in prison.
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#8 Consumer Suggestion

Sounds to me like you're playing their game against them

AUTHOR: Dave - (U.S.A.)

I for one have no problem with what you're doing. The CRA's are just about the most corrupt crooked agencies in this country. They are all in bed with the various collection agencies. They don't give a d**n about the truth. All they care about is the bottom line and be damned if you get screwed by an erroneous report. I wish I had your moxy!
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#9 Consumer Suggestion

Update I am sure kicking myself

AUTHOR: Jason - (U.S.A.)

Currently everything is going A-OK with this fake account reporting. All the loans I managed to get from this are being paid as agreed. I have saved tons of money in interest.

I am sure kicking myself for being dishonest and saving myself all this money.

Just an illustration, I have calculated I saved over $310 a month in interest (had I been honest and kept everything on my credit reports true, I would be paying 310 dollars more a month). I am using half this money to pay towards the mortgage. The other half in a savings account. By paying extra towards the mortgage, I am trimming a few years off the loan, as well as saving in even more interest.

By doing this, I am actually saving over $100,000 over the life of the loan. First by reducing the interest by 310 a month, then paying half of that as extra to trim down the interest payments.

Boy do I feel horrible for being this dishonest!
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You are wrong.....

First of all, I did my homework before I posted. My location, the bank my wife works at, and the car dealership I got my Mitsubishi Galant are different than what I posted. So trust me, if they inquire about that Wells Fargo bank location, there will be no one who remotely resembles what I described.

What stays the same is that my wife does work for a bank. And these entries did go on my credit report. And I do live in a different town, possibly state. I won't go into details there.

You are mistaken because it wasn't my fault that some idiot used my SSN to obtain a credit card. Charge up less than a thousand dollars, and have that listing on my credit report. So why should I have to go by the book while I get reamed in the mean time.

You make me sick, naseous, and disgusted. You gotta understand, had I not gotten those entries on my credit report, I would not have gotten a brand new car at 4.75%. Especially with a paid charge off that isn't even mine! The lenders never worked with me about it. They only went by my credit report. The CRA's didn't do jack either. This whole business of being guilty untill proven innocent, having to pay unbelievable interest all because no one wants to work with me.

So I won't do it by the book. If I did it by the book, I would not be getting good credit. I would be stuck buying a clunker or high mileage vehicle at 17%+ right now. So you take your unrealistic rhetoric, wad it up in a roll of Sadaam Hussein picture imprinted toilet paper and shove it up your @$$. You have no idea how hard it is to be denied a mortgage and have your whole credit record trashed because someone used your identity, only for the CRA's to turn their backs on you, and the lenders only working to make that extra buck. So I got them back. Now I am paying much less in interest, thereby depriving the lenders of more money. Oh boo-h*o, like that extra 3 or 4 thousand dollars I deprived them of will hurt them. I am loosing sleep over that one for sure.

Like I said, had everyone did what they were supposed to do, which was to actually investigate and remove the listing, I wouldn't have done this. I only did this because it's the only way to redeem myself and save myself money. Give myself a well deserved chance, rather than bending over for the CRA's and that collection agency so everyone can make a quick buck at my expense. Oh, the person who fraudulently used that credit card in my name is still out there probably victimizing someone else. I hope they got your identity next.
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#11 Consumer Suggestion

Although I don't agree with what you did

AUTHOR: Tracy - (U.S.A.)

You really don't have any alternatives. My brother is going through something similiar to your situations. He has the same name (and similiar social security number with two numbers switched around)with someone who has terrible credit. Since my brother was 17 (he's 24 now) he has not been able to buy anything without high interest rates. Now he has an attorney and is suing each company who will not remove their information from his report AND all three credit bureaus. The lawyers are making a ton of money off of it (their fee, $5,000 on a $7000 suit) but my brother's credit is being corrected.
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#12 Consumer Comment

You must be a brain surgeon, future jailbird

AUTHOR: Jonathan - (U.S.A.)

That was a really slick move telling anyone who wants to report you for fraud, where your wife works and then you sign where you are from.

It really isn't going to take a team of nuclear scientist to track you and your wife down for FRAUD.

How stupid to come on here, a great site for people who have legitimate rip-offs, and brag about the fact that your credit is so poor, YOUR fault entirely, you have committed numerous acts to defraud the three CRA's.

I hope that they track you down and lock your sorry A$% up.

To the original poster, the same goes for you.

It is moronic to justify your actions, Ya think this is dishonest? It is saving me money. Well then it's OK if it is saving you money, you moron. All they have to do is see when these BOGUS loans Marty put in and from where they came from and you and Marty will have a nice time in the big house. Maybe you can get a lower interest rate from Bubba when you owe him some smokes, etc.

You both make me sick.
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#13 Consumer Suggestion

It did work, I followed the advice of the first poster

AUTHOR: Everett - (U.S.A.)

For over 2 years I have been trying to improve my credit because someone used a credit card in my name.

This whole notion that we are guilty untill proven innocent is BS. The CRA's could care less about the consumer. The lenders are only interested in top dollar. Because of my run in with ID theft, I was turned down for a mortgage untill I got this straightened out. I couldn't get an auto loan for under 17%!

It took 2 years for me to clean this up. During this 2 year period, I was denied credit for even decent credit cards. I wasn't going to settle for a first premier secured card (300 credit limit, 250 in total fees charged to first month essentially making it secured). So a 2 year gap in my credit history wouldn't help because lenders gave me unfavorable terms for credit.

I followed the advice of the first poster and got my wife to add a revolving line of credit in the amount of 20,000 dollars spanning over 4 years, and a 100,000 home equity loan spanning over 10 years. Both were reported "paid or paying as agreed/closed account" and popped up on my credit reports as of May. My scores went from the high 500's/low 600's to mid and upper 700's! My highest is Trans Union, which went from 603 to a 781!

Think the credit reporting agencies take pride in giving lenders complete and accurate information? They better think again. They willingly left this erroneous ID theft account on my credit reports, even with proof. They refused to work with me. I was denied credit by lenders who wouldn't listen to my side of the story. They stated that their policies were to go by credit reports only.

So I got this straightened out. I will feel much better knowing I got one over on the 3 CRA's and those lenders who are only interested in making thousands of dollars off consumers who really did suffer ID theft. Unfortunately, it took a criminal screwing me over to make me a criminal.

My wife works at the regional Wells Fargo office in the data department, and has been with them for over 15 years, has been promoted to office supervisor in charge of the entire data department. So I think this is a cinch.

By the way, I managed to finance a vehicle at 4.75% through Red McCombs here in San Antonio. It's a 2005 Mitsubishi Galant GTS. Before, I was limited to high mileage cars at the run down dealerships and could get nothing lower than 17%. This is still with that lowly 800 dollar chargeoff which I am still fighting to get off my credit.

So I don't think this was illegal. It took me being dishonest to recover from that ID theft. Since the CRA's and lenders didn't work with me, I had to stoop to thier level. So I strongly encourage anyone who might be in the market to get some easy points, and has easy access to employees who are willing to add this info, by all means do it. It's much easier to make a living if you get the lowest rates possible. I feel I wasn't given a chance, especially when i've paid my bills. Why should I be treated like I don't?

(that 4.75% was with the charge off on my credit report)
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