topic Re: I think this guy is a scammer in myFICO® Forums Technical Help

I think this guy is a scammer

Anonymous — Thu, 14 Jan 2016 20:22:52 GMT

I just got a private message from some guy screen name AU-Guy telling me he owns a authorized user company and is interested in selling my lines for a sizeable income. Has anyone else gotten a message from him or no what this scam is about

Thanks

If someone wants to let a MOD know they can contact me and Ill provide the PM to them

Re: I think this guy is a scammer

Anonymous — Thu, 14 Jan 2016 20:28:21 GMT

@Anonymous wrote:
I just got a private message from some guy screen name AU-Guy telling me he owns a authorized user company and is interested in selling my lines for a sizeable income. Has anyone else gotten a message from him or no what this scam is about

Thanks

If someone wants to let a MOD know they can contact me and Ill provide the PM to them

You can report the PM to a mod from within the PM by clicking on the report inappropriate content link.

Re: I think this guy is a scammer

Anonymous — Thu, 14 Jan 2016 20:32:54 GMT

There is a "real" business where a potential AUs pays a broker who then pays part of the fee to someone to add that person as AU to one of their cards. (You don't give the AU their own card, they just get to benefit from the good history). CCCs don't like this, and later FICO score systems attempt to discount unrelated AUs.

However, as the card holder you would have to be very careful in communicating with a self-proclaimed broker, who might be a scammer just after card info. There is no need for a real broker (or AU) to know SSN, account number or anything.

Re: I think this guy is a scammer

NRB525 — Thu, 14 Jan 2016 20:37:38 GMT

I got the same PM, forwarded to mods.

It seems like a totally legitimate way to earn extra money. Give out your credit card info so someone you have never met, who has no credit and can't get a card on their own, gets signed up as AU on your cards, on the promise they will pay you for the right to use your credit cards.

What could go wrong?

Re: I think this guy is a scammer

Anonymous — Thu, 14 Jan 2016 20:38:33 GMT

@Anonymous wrote:
There is a "real" business where a potential AUs pays a broker who then pays part of the fee to someone to add that person as AU to one of their cards. (You don't give the AU their own card, they just get to benefit from the good history). CCCs don't like this, and later FICO score systems attempt to discount unrelated AUs.

However, as the card holder you would have to be very careful in communicating with a self-proclaimed broker, who might be a scammer just after card info. There is no need for a real broker (or AU) to know SSN, account number or anything.

Even if the person is running a 'real' business they are not to solicit business within a PM as it is a violation of the TOS of the site.

Re: I think this guy is a scammer

uswala — Thu, 14 Jan 2016 20:38:19 GMT

@Anonymous wrote:
I just got a private message from some guy screen name AU-Guy telling me he owns a authorized user company and is interested in selling my lines for a sizeable income. Has anyone else gotten a message from him or no what this scam is about

Thanks

If someone wants to let a MOD know they can contact me and Ill provide the PM to them

I got this PM as well. I have reported it to mods.

Re: I think this guy is a scammer

bdhu2001 — Thu, 14 Jan 2016 20:38:45 GMT

@Anonymous wrote:
There is a "real" business where a potential AUs pays a broker who then pays part of the fee to someone to add that person as AU to one of their cards. (You don't give the AU their own card, they just get to benefit from the good history). CCCs don't like this, and later FICO score systems attempt to discount unrelated AUs.

However, as the card holder you would have to be very careful in communicating with a self-proclaimed broker, who might be a scammer just after card info. There is no need for a real broker (or AU) to know SSN, account number or anything.

Wow!! Who knew such a business existed.

Re: I think this guy is a scammer

Anonymous — Thu, 14 Jan 2016 20:39:48 GMT

There are several different usernames sending out the same PM over the last few days.

Re: I think this guy is a scammer

ddemari — Thu, 14 Jan 2016 20:41:21 GMT

I got it too. I plan on forwarding it also.

Re: I think this guy is a scammer

Anonymous — Thu, 14 Jan 2016 20:41:32 GMT

@Anonymous wrote:
@Anonymous wrote:
There is a "real" business where a potential AUs pays a broker who then pays part of the fee to someone to add that person as AU to one of their cards. (You don't give the AU their own card, they just get to benefit from the good history). CCCs don't like this, and later FICO score systems attempt to discount unrelated AUs.

However, as the card holder you would have to be very careful in communicating with a self-proclaimed broker, who might be a scammer just after card info. There is no need for a real broker (or AU) to know SSN, account number or anything.
Even if the person is running a 'real' business they are not to solicit business within a PM as it is a violation of the TOS of the site.

Right, I wasn't suggesting that it was OK to do that. Just that it doesn't have to be a scam, although it probably is. That said, if you were looking for potential leads, forums like this would be a good place to start, especially with those that put cards and scores in their sigs!

Re: I think this guy is a scammer

Anonymous — Thu, 14 Jan 2016 20:44:22 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
There is a "real" business where a potential AUs pays a broker who then pays part of the fee to someone to add that person as AU to one of their cards. (You don't give the AU their own card, they just get to benefit from the good history). CCCs don't like this, and later FICO score systems attempt to discount unrelated AUs.

However, as the card holder you would have to be very careful in communicating with a self-proclaimed broker, who might be a scammer just after card info. There is no need for a real broker (or AU) to know SSN, account number or anything.
Even if the person is running a 'real' business they are not to solicit business within a PM as it is a violation of the TOS of the site.
Right, I wasn't suggesting that it was OK to do that. Just that it doesn't have to be a scam, although it probably is. That said, if you were looking for potential leads, forums like this would be a good place to start, especially with those that put cards and scores in their sigs!

I know you weren't. I meant it more as info to others so that they report the PMs. Your point about signatures is well taken

Re: I think this guy is a scammer

NRB525 — Thu, 14 Jan 2016 20:44:39 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
There is a "real" business where a potential AUs pays a broker who then pays part of the fee to someone to add that person as AU to one of their cards. (You don't give the AU their own card, they just get to benefit from the good history). CCCs don't like this, and later FICO score systems attempt to discount unrelated AUs.

However, as the card holder you would have to be very careful in communicating with a self-proclaimed broker, who might be a scammer just after card info. There is no need for a real broker (or AU) to know SSN, account number or anything.
Even if the person is running a 'real' business they are not to solicit business within a PM as it is a violation of the TOS of the site.
Right, I wasn't suggesting that it was OK to do that. Just that it doesn't have to be a scam, although it probably is. That said, if you were looking for potential leads, forums like this would be a good place to start, especially with those that put cards and scores in their sigs!

That's why you didn't get the PM?

Re: I think this guy is a scammer

lg8302ch — Thu, 14 Jan 2016 20:45:16 GMT

Forwarded the PM as well.... and for a little extra money not worth the risk of the tradelines .. and not legal either ...so NO THKS

Re: I think this guy is a scammer

OmarGB9 — Thu, 14 Jan 2016 20:45:24 GMT

I too got it! From two different usernames even. I didn't think to report them, though, as I was half asleep when I opened them. I just deleted the PMs.

Re: I think this guy is a scammer

CreditCuriosity — Thu, 14 Jan 2016 20:48:43 GMT

Reported this person last night.. Their was a few different users from others I spoke with that were shooting out the same PM's.. I beleive the first round of people have been addressed.

Yes a person can make money off of "piggy backing" on good credit, although no thank you for giving out my meh credit to someone to use for a few dollars

Re: I think this guy is a scammer

gdale6 — Thu, 14 Jan 2016 20:48:47 GMT

At this point all user names used by this individual have been banned permanently from the site for violating our TOS which prohibits such solicitation. If any of you receive further emails from someone on this just forward it to a Mod and we will take care of it. Thanks for being vigilent in this

Re: I think this guy is a scammer

TrialByFire — Thu, 14 Jan 2016 20:55:34 GMT

Darn no such pm here. Guess I haven't "made it" yet

Re: I think this guy is a scammer

woodyman100 — Thu, 14 Jan 2016 21:03:09 GMT

Got mine last night

Re: I think this guy is a scammer

Imperfectfuture — Thu, 14 Jan 2016 21:22:00 GMT

@NRB525 wrote:
I got the same PM, forwarded to mods.

It seems like a totally legitimate way to earn extra money. Give out your credit card info so someone you have never met, who has no credit and can't get a card on their own, gets signed up as AU on your cards, on the promise they will pay you for the right to use your credit cards.

What could go wrong?

LOL, I must not be worthy, no PM.

Re: I think this guy is a scammer

SouthJamaica — Thu, 14 Jan 2016 21:38:46 GMT

@NRB525 wrote:
I got the same PM, forwarded to mods.

It seems like a totally legitimate way to earn extra money. Give out your credit card info so someone you have never met, who has no credit and can't get a card on their own, gets signed up as AU on your cards, on the promise they will pay you for the right to use your credit cards.

What could go wrong?

Let's hope there isn't someone out there who thought you were serious.