Looking To Boost Your Credit Score?

Fair Isaac Corp., creator of the widely used FICO® score, announced last year it would end credit score piggybacking due to alleged abuses. However, during Congressional testimony Tuesday, Fair Isaac Corp. acknowledged it had reversed this decision. As discovered by BoostMyScore.NET earlier this year, it would have violated the Equal Credit Opportunity Act. A company official broke the news during a House Financial Services Subcommittee on Oversight and Investigations hearing entitled "What Borrowers Need to Know about Credit Scoring Models and Credit Scores." In a prepared testimony by Fair Isaac's vice president of scoring solutions, Thomas J. Quinn stated “After consulting with the Federal Reserve Board and the Federal Trade Commission earlier this year, Fair Isaac has decided to include consideration of authorized user trade lines present on the credit report" in a revamped version of the credit score formula called FICO® 08.

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Is This Legal?

According to lawyers familiar with the practice of piggybacking, as well as industry insiders, and the Federal Trade Commission themselves, the act of paying someone to add another person to their existing credit card account is not only perfectly legal, it is actually illegal to stop us.

You don't have to take our word for it; just take a look at the EVIDENCE.

Is This Ethical?

Considering the various ways banks and the credit card, credit scoring, and credit reporting industries have entrapped the American consumer in their web of control, it is hard to believe that using their system, and playing by their rules to place each of us in a more equitable financial position, is anything but ethical. Don't take our word for it; click the links below, then decide for yourself.

Denver Business Journal - Lost Fees Will Hurt Banks (pdf)
PBS Video - The Card Game
USA Today - Anger at bank overdraft fees gets hotter, bigger and louder
PBS VIDEO - The Secret History of the Credit Card