Yuntwine English making noise all the way up to FICO with the law on his side

If you're a subprime borrower with a low credit score, don't despair, and don't settle for an Option ARM or other exotic mortgage loan. Represent Your City Inc, Founder Yuntwine English boast the latest and greatest strategy to artificially boost that score: piggybacking the high FICO score of a prime borrower. His latest strategy is a real doozy, says members of Equifax when we asked them about his strategy. Saying, he makes a way for those with poor scores "piggyback" on - or mooch off - someone else's good credit record.
  Yuntwine has shown that he is able to boost your credit score by having you added as an authorized user on the credit cards of strangers with stellar credit, for a fee. And like magic in under a few weeks this raises your credit score.The strangers get paid based on the quality of their credit, with the promise that the new "authorized users" won't actually be able to buy anything on their cards or even get any of their personal information. 

When you study the laws and codes surrounded by your rights then the Big 3 backs down every time. In our case most people don't know the law or their rights so I act for them. This above says a lot. 

 The bottom line: People with bad credit can pay a fee to get  better credit. If they have a history of late payments, they can get the same low interest rate as someone who always pays on time. According to Steve Baker, Director of the Midwest Region of the Federal Trade Commission, which enforces the nation's credit laws, Yuntwine isn't doing what has been allowed by law for over 40 years now. He is just putting a twist on things by bringing people in who wishes to rent out their credit so to speak, which is also legal.
"Someone is artificially elevating their credit score beyond the risk level they deserve based on their own payment history and payment patterns, " said Ginny Ferguson, a member of the Credit Scoring Committee of the National Association of Mortgage Brokers. "If we can't trust the credit score to give us a good indicator of the likelihood of someone repaying their loan, the score isn't good to any of us."
 It might be a long time before Congress decides to stop it says Yuntwine, but there's practical problems of discovering the existence of the piggybacking in the first place. Moreover, if the rule of the credit score providers don't prohibit the practice of adding "authorized users" to your credit accounts, then this tatic appears to be a "loophole" that you could drive a bus through, says Yuntwine. According to Yuntwine , the loan applicant isn't forcing the lender to rely on a FICO score in underwriting a loan nor assign it any particular weight versus other factors, nor is he or she determining what factors are used by the credit scoring companies in establishing the score in the first place.
According to Yuntwine, lenders' single-minded focus on credit scores and the fact that they've become so pervasive even being used by insurance companies to determine what premiums to charge has forced we consumers to take desperate measures to raise their score. You Lenders works to stick people with heavy prices to pay, I even the odds with educating the people before you stick them, says Yuntwine. In response to credit renting, Fair Isaac says that it tried to get it where authorized users on someone else's account would not benefit from the account holder's good payment history but all the rights of doing so are on the consumers side, not the lenders. And that for now people like Yuntwine English who wishes to continue helping others take the easy way out into life versus showing their families the American way of building credit on their own , we now see where the world is going.
But according to Yuntwine , even America has bad credit and that someday it too will be looking to become an Authorized User. So what does all this mean ? Well for now and many years to come Piggybacking is back in business for those who know what they are doing. And from the looks of it , it will be big business for the likes of Yuntwine English, who some how has gotten the attention of even those in FICO and Equifax. According to Yuntwine he plans to have consultants in over 500 cities by 2016 helping people feel like life is good to them again.

Husband and wife who was asked 3 weeks earlier to put $6,500 Down on a 2014 Chevy Impala until after seeing Yuntwine English Founder of YDE Advisory Services Inc was asked to sign and drive with zero down due to a 162 point credit bump. Even the salesman wanted to visit the site and looking to have his done.