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I think this guy is a scammer

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Anonymous
Not applicable

I think this guy is a scammer

  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 

Message 1 of 66
65 REPLIES 65
Anonymous
Not applicable

Re: I think this guy is a scammer


@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.

Message 2 of 66
Anonymous
Not applicable

Re: I think this guy is a scammer

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.

Message 3 of 66
NRB525
Super Contributor

Re: I think this guy is a scammer

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?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 4 of 66
Anonymous
Not applicable

Re: I think this guy is a scammer


@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.

Message 5 of 66
uswala
Senior Contributor

Re: I think this guy is a scammer


@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.

Message 6 of 66
bdhu2001
Valued Contributor

Re: I think this guy is a scammer


@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.

Original Mortgage maturity Sept 2044; Refi maturity Dec 2030
Starting Score: EX 751 EQ 720 TU 737 on 4/9/14
Current Score: EX 849 EQ 835 TU 843
Goal Score: 850


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Message 7 of 66
Anonymous
Not applicable

Re: I think this guy is a scammer

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

Message 8 of 66
ddemari
Super Contributor

Re: I think this guy is a scammer

I got it too. I plan on forwarding it also.
Message 9 of 66
Anonymous
Not applicable

Re: I think this guy is a scammer


@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!

Message 10 of 66
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