I first contacted bright vanguard credit seeking credit repair services in February of 2016 where I came in contact with a receptionist that connected me with "Kyle Emmerson". I spoke with "Kyle" for a brief run down of what his company offered and he offered me a new credit profile - which was something I never heard of before and it offered the promise of credit cards and and loans (auto conversion loans to be specific) to the tune of 60,000 dollars. "Kyle" told me this "service" would take about 30 days and cost around 3500.00. After a considerable amount of research on the company I decided there was more to gain than loose especially since I would be protected by pay pal I decided to give them a chance.
What I found strange and unsettling from the beginning is the things Kyle told me to do which included using a ups store as a primary address, getting a new and separate phone number and email address to start over as he called it and also obtain a passport.
Kyle also never needed or asked for any of my personal info. 30 to 45 days past and I received little to no correspondence from him when finally one morning he calls with news that my scores had posted. At this point I'm completely confused until he sent me a text with a completely different social security number than my own attached to the same name and birthdate. Kyle assured me that this was perfectly legal and that the owner of the company "Craig" created this profile and they together would apply for credit cards and loans on my behalf for a fee of 15% of the total amount of funding I received and that I wouldn't have to pay any of it back because they could remove it with a credit sweep. Kyle then told me the reason it was legal is because they had added me on as an authorized user to 3 legitimately obtained credit cards with high limits and that would create credit history for this new profile. He told me to hang tight for a few more weeks while he got some approvals and he would be contacting me soon. 30 days or so pass and I didnt hear anything this is when I started to do research on the actual service and here's what I found out.
"Kyle Emmerson" is a ghost and he and "Craig" are most likely one in the same since I've never heard Craig's voice only got threatening text message from this number 210-461-9081. The process or service is called a cpn (credit privacy number) which is illegal. What they do is lure people with a scheme that is three fold. The first phase of the scheme is soliciting people with good credit to allow - for a fee bright vanguard credit to add authorized users to their credit cards. The second way is identity theft in which they offer credit repair services which are also illegal because they submitt documents on your behalf to the credit bureaus and fraudulently remove items from your credit report (which will come back that you did in fact have or use and the creditors CAN AND WILL PROVE) and they then apply for credit on your behalf and add authorized users- this is where the "trade lines" they sell come from. The third part of the scheme is the actual "cpn" or credit privacy number which is most likely either a dead persons social security number or just a random number they create using Ssn verification services and voila, you have a new social they add these "trade lines" to. This is the point where I contacted pay pal to opt out of this scam and contacted the fbi, social security administration, and my attorney. Bright vanguard credit is also attempting to steal my real identity by applying for credit cards with my REAL email address as this is the only piece of my info they have and I received an email this morning for a credit card I DID NOT APPLY FOR AT ALL. This is an identity theft ring and I would suggest steering clear if you don't want to end up in prison. DO NOT GIVE THEM ANY OF YOUR PERSONAL INFO AND DO NOT DO BUSINESS WITH THEM ITS FRAUD!
Bright Vanguard Credit Reviews
I first contacted bright vanguard credit seeking credit repair services in February of 2016 where I came in contact with a receptionist that connected me with "Kyle Emmerson". I spoke with "Kyle" for a brief run down of what his company offered and he offered me a new credit profile - which was something I never heard of before and it offered the promise of credit cards and and loans (auto conversion loans to be specific) to the tune of 60,000 dollars. "Kyle" told me this "service" would take about 30 days and cost around 3500.00. After a considerable amount of research on the company I decided there was more to gain than loose especially since I would be protected by pay pal I decided to give them a chance.
What I found strange and unsettling from the beginning is the things Kyle told me to do which included using a ups store as a primary address, getting a new and separate phone number and email address to start over as he called it and also obtain a passport.
Kyle also never needed or asked for any of my personal info. 30 to 45 days past and I received little to no correspondence from him when finally one morning he calls with news that my scores had posted. At this point I'm completely confused until he sent me a text with a completely different social security number than my own attached to the same name and birthdate. Kyle assured me that this was perfectly legal and that the owner of the company "Craig" created this profile and they together would apply for credit cards and loans on my behalf for a fee of 15% of the total amount of funding I received and that I wouldn't have to pay any of it back because they could remove it with a credit sweep. Kyle then told me the reason it was legal is because they had added me on as an authorized user to 3 legitimately obtained credit cards with high limits and that would create credit history for this new profile. He told me to hang tight for a few more weeks while he got some approvals and he would be contacting me soon. 30 days or so pass and I didnt hear anything this is when I started to do research on the actual service and here's what I found out.
"Kyle Emmerson" is a ghost and he and "Craig" are most likely one in the same since I've never heard Craig's voice only got threatening text message from this number 210-461-9081. The process or service is called a cpn (credit privacy number) which is illegal. What they do is lure people with a scheme that is three fold. The first phase of the scheme is soliciting people with good credit to allow - for a fee bright vanguard credit to add authorized users to their credit cards. The second way is identity theft in which they offer credit repair services which are also illegal because they submitt documents on your behalf to the credit bureaus and fraudulently remove items from your credit report (which will come back that you did in fact have or use and the creditors CAN AND WILL PROVE) and they then apply for credit on your behalf and add authorized users- this is where the "trade lines" they sell come from. The third part of the scheme is the actual "cpn" or credit privacy number which is most likely either a dead persons social security number or just a random number they create using Ssn verification services and voila, you have a new social they add these "trade lines" to. This is the point where I contacted pay pal to opt out of this scam and contacted the fbi, social security administration, and my attorney. Bright vanguard credit is also attempting to steal my real identity by applying for credit cards with my REAL email address as this is the only piece of my info they have and I received an email this morning for a credit card I DID NOT APPLY FOR AT ALL. This is an identity theft ring and I would suggest steering clear if you don't want to end up in prison. DO NOT GIVE THEM ANY OF YOUR PERSONAL INFO AND DO NOT DO BUSINESS WITH THEM ITS FRAUD!