- April 8, 2024
- Posted by: legaleseblogger
- Category: Related News
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# Concerns about the Legality of a Video on Twitter
I recently stumbled upon a video on Twitter that raised some serious legal concerns. The content of the video seemed questionable and I couldn’t help but wonder about its legality.
While browsing through my Twitter feed, I came across a video that caught my attention. Upon watching it, I was taken aback by the nature of the content and couldn’t shake off the feeling that it might not be in compliance with the law.
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****** just grabbed a
Doesn’t seem like credit card fraud because both parties have an agreement. Also, it’s not credit card fraud because the credit card is not being used without permission; no purchases are being made by the other person. The authorized user simply gets associated with the card holder, which raises their credit score in order to qualify for a loan or whatever.
This is essentially what family does to help build credit and get loans easily.
That being said, I still would not do it; too much risk for such little benefit.
*In an authorized user position, the account will appear on someone’s credit report, but the authorized users do not have any financial responsibility for that account. Therefore, many people think that primary accounts are better than authorized user tradelines.*
*A primary tradeline is an account that an individual has in their name where the creditor has extended some form of credit to that person specifically. They are financially responsible for that account and this is reflected on that person’s credit report.*
Wierd
Curious so doing some surfing on topic. Trade lines is not a BBB accredited company, Experian advises against doing this due to risk of identity theft and spending $$. Lines price out from $322-$500+. I wonder whether a company like Experian is advising against because it is in fact risky, or a. they don’t want people using the flawed credit system to their advantage with loopholes like above b. legality of it or c. That it actually works, is legal, but not the same as making on time payments for years vs a quick fix for approval
Fuck credit card companies and the whole credit system. It’s so stupid and corrupt. It’s our moral obligation to fuck them over whenever we can.
Not credit card fraud, but potentially fraud for whatever the buyer was trying to qualify for that they could not. Both parties are defrauding which ever institution was requiring the credit check.
Maybe not fraud but anyone that falls for this is a dumbass.
Being an authorized user means if somehow the user found that actual person that they are authorized for… they could call the credit card company and get a physical card issued and bypass whatever “spending limits” this shit ass site put into place.
It also doesnt take into account people that just dont pay back on the CC after they have spent money.
Stupid ass idea. For sure a scam.
This is one of those sketchy ideas that usually works but when it goes bad, it goes really bad. Depending on the card issuer, the AU can just request a card. And many cards will flag your account if you have multiple AUs and they have no clear connection to you.
So I’m carrying the risk of someone with poor credit. Yeah no.
I don’t see this as fraud.
It doesn’t show a persons ability to repay – that’s assets, income, liabilities and debts. It doesn’t show ability to manage money – that’s credit history.
A FICO credit score is a proprietary output based on…. magic. It’s an opinion.
Financial institutions chose to use an opinion to do business. And the fact that opinion can be manipulated thru legal inputs isn’t fraud.
Not technically illegal, but it does carry risk and it probably violates the credit card terms of service. If the credit card company recognizes what you’re doing, they could close the account (which is going to bring a hit to your score).
No. This is strictly to build credit for someone who has a poor credit score. She is offering someone to be added to her trade lines so they reflect that line on their own credit file. They don’t get access to a thing. No account info, no card, no use of account. This has been done for a long time. It’s basically saying here say you are tied to my account to reap the credit benefits. That’s it. People often do this for kids, family, spouses who need to build credit. They get the positive credit history at a cost essentially. 😊
I’ve added authorized users on my credit cards, but it very clearly says that I’m responsible for their purchases. What stops them from running up $20k worth of purchases on the card that they are an authorized user on?
Not sure if it’s legal, but not fraud
I feel like this is similar to what happened to Trump in New York City. Lying about credit worthiness to get a better interest rate. Trump did it through lying about real estate values, and someone using this service would be lying about their credit history.